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Comparing the differences to determine what type of coverage is best for employees. ...

Is your employer really doing you a favor by providing you with group long-term disability (LTD) insurance coverage? You bet … maybe....

Now that you have provided your client with a disability income insurance (IDI) policy, which takes care of his or her personal needs, what other policies can also be provided in the event they get disabled and as a result cannot work?...

It's a fact that disability income insurance (DI) claims have increased dramatically over the last several years, along with a disproportionate number of inappropriate denials. ...

Wake up agents... this is a call to action to those that don’t believe that disability income insurance is THE most important insurance your clients should have! ...

Delivering a policy that has been issued as applied for is normally a piece of cake, unless the applicant was not really convinced of the need at the time of the application ...

First off, what is a “landmine” in disability insurance (DI) underwriting? A landmine is some sort of health or other type of condition/situation, that when submitted to an underwriter, could explode in the producer’s face. ...

Completing the application is one of the most important phases of the sales cycle since so much depends on its accuracy and how thorough the agent was in its completion. ...

When constructing a proposal, what are the important features one should consider? Well before answering that question, the financial planner or agent should have met with the client (of course) and completed a questionnaire...

Why should you insure income? Because, for most people the ability to earn an income is without a doubt, their most important asset....