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Recovery Benefits to Protect Loss of Income
Many of the disabling injuries and illness that lead to disability insurance claims are such that you can eventually recover. You may...
What is a Residual Rider?
This rider can be one of the most valuable riders attached to a policy. It determines a payout based on a partial disability vs. a total...
Student Loan Debt and Disability Income Insurance
If you become disabled while in school and have to drop out, disability insurance benefits can help you pay your student loans! This is...
Keeping the Doors to your Small Business Open!
If you are a small business owner, you wear many hats. You are the manager, accountant, IT department, and janitor. You are also most...
Overhead Expense Coverage for Businessowners
If you are working with small businesses or would like to work with small business owners, you know they can be vital to the operations...
Growing your Client Base with Income Protection
These strategies here can help you grow your client base. If everyone knew that their Group Benefits had the gaps and limitations, they...
Establishing a Voluntary LTD Buy-Up Program for Employers
While Group Long Term Disablity Insurance (LTD) can get employees a good base of protection - it's not going to solve all their income...
THE “THIRD-TIER” OF INCOME PROTECTION FOR TOP WAGE EARNERS
The need for income protection in this country is clear – statistics show a common lack of personal savings amongst the majority of...
The Easy Sale
We often hear advisors mention they don’t offer Individual DI policies because their client base already has protection through an...
Top Reasons for Financial Planners to Address DI
Set yourself apart from other financial planners. Lead the way with disability income insurance. Top 5 reasons to sell individual...


Kiplinger's Personal Finance Discussion: Disability Insurance
Here is a great video summarizing Disability Income Insurance.
Overhead Expense Insurance - What is it? Do you need it?
Business overhead expense insurance is critical to a small business owner. As a business owner, you know that your ability to work is...
Executive Disability Solutions for Group Benefit Advisors
Benefit Advisors have sometimes shied away from individual disability insurance, not because there wasn’t a need for it, but instead...
Understanding "Own-Occupation" Disability Insurance
Most advisors hear that "Own-Occupation" Coverage is the best coverage - but there are so many sub-categories that get agents and...
10 Ideas to Increase your DI Sales
10 ideas to increase your DI Sales you can use immediately: Concentrate on customers more than prospects. It’s easier to sell to an...
Tips for Selling Disability Income Insurance
Although many brokers feel confident selling their core products–life insurance, retirement plans, health insurance or long term...
Don't Let Your Clients Rely on Group LTD Alone
Clients who are covered by group disability insurance through their employers may still be at risk. When you hear: “I’m covered at...
Income Protection for High Income Earners
When you are working with individuals, such as executives or physicians, who have the potential to be high earners as their careers...
Opportunities Working with Federal Employees
Ask a Federal Employee about their income protection plan and you’ll likely hear, “I have disability insurance through my work – I am a...
Insure Alimony and Child Support Against Disability
To guarantee alimony and child support is paid at the death of the person making the payments – the payer would carry life insurance...
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