Disability Insurance Blog
Identifying New Disability Insurance Prospects
Identifying New Disability Insurance Prospects In sales, having a differentiator can be the key to success. We rely on product knowledge, streamlined processes and likable personalities to stand out from the competition. But in a crowded marketplace, where prospects are constantly bombarded with offers, finding a truly unique angle can make all the difference. One […]
Supreme Court Ruling Highlights Tax Implications for Buy-Sell Agreements
Supreme Court Ruling Highlights Tax Implications for Buy-Sell Agreements When business owners craft buy-sell agreements, one critical goal is ensuring a smooth transition of ownership in the event of an owner’s death. However, the Supreme Court’s June 2024 decision in Connelly v. United States (PDF) highlights how the structure of these agreements can have significant […]
Demand vs. Lead Generation: Understanding the Differences and Maximizing Results
Demand vs. Lead Generation: Understanding the Differences and Maximizing Results In the world of marketing, demand generation and lead generation are two crucial strategies that often get used interchangeably. However, while they share the ultimate goal of driving business growth, they serve different purposes and require distinct approaches. Understanding the nuances, benefits and challenges of […]
Why Doctors Need Disability Income Insurance
Why Doctors Need Disability Income Insurance For your clients who are doctors, their ability to earn a living hinges on one crucial factor: their health. After years of education and training, a doctor’s skills are not just their livelihood—they’re a significant financial investment. But what happens if an injury or illness prevents your doctor client […]
Disability Income Insurance Occupation Class Upgrades and New Underwriting Changes from Mass Mutual
Disability Income Insurance Occupation Class and Underwriting Changes from Mass Mutual Last week, Mass Mutual announced disability income insurance occupation class upgrades that may lower premiums and increase monthly benefit amounts. The company also announced new underwriting enhancements that could open opportunities for clients who previously had challenges qualifying for coverage. Disability Income Insurance Occupation […]
Choosing the Right Business Overhead Expense Policy
Choosing the Right Business Overhead Expense Disability Insurance Policy Choosing the right Business Overhead Expense (BOE) policy can help keep your clients business open following a disability. BOE is a unique disability insurance product, focused on keeping a business open following a disability. Specifically, BOE covers a business’s operational expenses if a business owner is […]
Disability Insurance Providers and Errors and Omissions Insurance
Disability Insurance Providers and E&O Insurance: Protecting Your Practice Disability insurance is a vital safety net for individuals, offering income protection when illness or injury prevents them from working. Providers of disability insurance play a critical role in ensuring that clients receive the benefits they need when life takes an unexpected turn. However, the nature […]
The Student Loan Riders on Disability Insurance Policies
The Student Loan Rider on a Disability Insurance Policy The student loan rider should be considered for added peace of mind when buying a disability insurance policy. Disability insurance is a crucial financial safety net for many individuals, particularly those who rely on their income to manage daily expenses and long-term commitments. For many professionals, […]
Understanding the Differences in Disability Definitions
Understanding the Differences in Disability Definitions When purchasing a disability insurance policy, one of the most important aspects to understand is how the term “disability” is defined. This definition forms the basis of when benefits are payable and what criteria you must meet to qualify for those benefits. Different policies use various definitions of disability, […]
Underwriting Disability Insurance with Mental Nervous Disorders
Underwriting Disability Insurance with Mental Nervous Disorders When considering disability insurance, most people think of coverage for physical injuries or illnesses that prevent them from working. However, mental and nervous disorders (MNDs) also play a significant role in an individual’s ability to maintain employment. The Social Security Administration reports that 35% of disability insurance beneficiaries […]
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