Only 9% of long-term disability claims result from serious accidents. The remaining 91% come from common ailments like back and joint pain, chronic diseases, cancers, depression and pregnancy. ...

The insurance industry has responded to the fast pace to which a new generation of buyers has become accustomed with abbreviated and accelerated policy underwriting and issuing programs. ...

When owners use the business evaluation process, results can lead to significant opportunity. ...

One of our carriers bases pricing of their table rated cases off of ‘Standard Plus’ rates, rather than ‘Standard’ rates like most of the others. ...

It is best to be prepared and understand the claims process so you are fully prepared to help your clients put their LTCi policies into action. ...

You are at the front-line to educate your Middle America clientele about the vital need for income protection in the event of an injury or sickness and how affordable it can be. ...

An executive bonus arrangement can meet an array planning needs if presented properly to the employer and comprehensively to the executive. ...

Long-Term Care can be a tough subject. Often times, you have to do a little detective work to ensure your cases are processed through Underwriting quickly. ...

Critical Illness Insurance is one of the best kept secrets in the industry and provides advisors a great opportunity right now to meet more clients, help more families and increase sales. ...

By offering a complimentary policy review of any trust held policies, you can strengthen your relationships with these professionals – which can lead to future referral opportunities. ...