September 02, 2010
There is something very powerful — and motivating — about listening to another person’s story. This is especially true when an agent is trying to underscore the importance of an insurance product, like disability insurance. …
September 02, 2010
The more work I do with insurance reps, advisors, agents, brokers, and planners, the more amazed I am – and not in a good way. …
September 01, 2010
Medicare accounts for 23 percent of total national health care spending. Medicare represents nearly one‐third (30 percent) of total national spending on hospital care and 20 percent of total spending on physician services.…
September 01, 2010
What do the letters at the end of a person’s Medicare number mean?…
September 01, 2010
According to Prudential Financial’s 10th annual study, “Financial Experience and Behaviors Among Women,” a record 95 percent of females in the United States are financial decision-makers. …
September 01, 2010
National attention to consumer-directed health care increased following the enactment of the Medicare Prescription Drug Improvement and Modernization Act of 2003, which established tax-advantaged health savings accounts.…
September 01, 2010
Cars are complicated machines, yet picking out a car is fairly simple. Disability insurance policies are similarly complicated. …
August 30, 2010
When President Obama signed the Patient Protection and Affordable Care Act into law on March 23, 2010, big changes for insurance agencies began to take shape. …
August 30, 2010
Abe Gruenwald, CLU, CLTC, is a personal-producing general agent who has concentrated primarily on LTCI for almost 20 years. …
August 30, 2010
Onsite clinics are growing at a rapid pace throughout the United States. An idea that was long thought to be for larger employers only, it is now being used for employers with as few as 300 employees.…
August 27, 2010
A cash-value life policy taken out on a minor could reap powerful benefits for a family. The cost is typically extremely low compared to the face amount, and yet both the premium and benefit can be guaranteed for life.…
August 27, 2010
I recently read an article about the United Kingdom’s baby boomers and their children. It seems the U.K. has concocted several new categories of acronyms and neologisms.…
August 24, 2010
LTCI applicants are reviewed differently than life insurance or even disability income insurance, so the more familiar your clients are with the process, the better it will be for all involved parties. …
August 24, 2010
Recently, articles have reported that insurance companies are putting beneficiaries’ death benefits into interest-bearing checking accounts instead of paying out the life insurance proceed – and they’re giving the industry another unmerited black eye. …
August 23, 2010
Unlike life insurance, which has a simple definition of claim eligibility – death – group disability insurance requires an insured to meet a variety of requirements in order to be considered disabled under the contract.…