Agent’s Sales Journal June 2006

While many people protect themselves and their families by purchasing life insurance, some do not have adequate insurance to handle periods of critical illness. Today, millions are affected by sudden illnesses, such as heart attacks, strokes, and...

Critical illness insurance pays a lump-sum benefit upon the diagnosis of a serious illness such as life-threatening cancer, heart disease, or stroke. Other covered conditions often include major organ transplants, Alzheimer’s disease,...

Much has been published in the mainstream media about the fact that disability income insurance claims have increased dramatically over the last several years, along with a disproportionate number of inappropriate claims denials. And the claims...

At a disability insurance sales conference in Minneapolis in 2001, Milliman USA released the results of its actuarial study of disability insurance for the period from 1975 to 2000. Among the findings was the exit of carriers from the disability...

Agent’s Sales Journal recently spoke with one of the top Disability Income experts in the country to find out the state of DI today and how agents can become more successful in selling this important product. Agent’s Sales Journal:...

Client meetings are your life’s blood, but do you really know how to manage a meeting with an older client? He or she comes to the meeting with a set of physical and psychological needs that are likely different from yours. He or she also...

A new LIMRA study unveils insights on the Hispanic community’s needs, attitudes, and perceptions about financial planning and term life insurance. Among the study’s most compelling findings: • English-speaking Hispanics are...

Investment buying sentiment among affluent households continued an upward trend that began in August 2005, according to the February 2006 Phoenix Affluent Marketing Service (AMS), the largest continuously fielded syndicated survey of affluent...

The Florida Senate Banking and Insurance Committee recently approved legislation that would curb the cost of long term care insurance. Hundreds of thousands of Americans buy these policies — usually when they are younger — expecting...

The National Association of Independent Life Brokerage Agencies (NAILBA) has announced that its free Anti-Money-Laundering (AML) training program is now available online through its two Web sites – www.nailba.org and www.AgentResources.com....

The Massachusetts Legislature has approved a bill that would require residents to buy health insurance or face legal penalties. That would make it the first state to tackle the problem of uninsureds by treating patients the same way it does cars....

Retirement and estate planning are becoming a national obsession. “How can I ensure that I’ll enjoy a comfortable retirement?” “What if I outlive my money?” “Will I have anything to leave my spouse or children...

My family has it all — from all-star athletes to those of us who need to lose more than a few pounds. With the exception of my son, the athlete, we work too many long hours, eat on the run, and don’t exercise like we should. All of us...

We all know the numbers. We’ve heard them before, in newscasts, magazines, studies: More than 40 million Americans have no health insurance, 8 million of those children. And more than 30 million are underinsured, carrying coverage that barely...

How would you respond to a prospect who says… "My employer is suddenly promoting disability insurance. Why would I waste my money on something I’m unlikely to ever use?" Perhaps a discussion about the fact that, for most...

From: Johansson.L.@AcmeL&DCo.com To: JDokesCLU@hotspot.net Sent: Friday, January 13, 2006 10:28 AM Subject: Very funny stuff !!! Hey Joe: You really crack me up! Your mock claim form was hilarious! I hope you don’t...