Industry Articles

October 3, 2018
  • What You Think About the Value of Life Is All Wrong
    Researchers show why your clients like high-tech cures better than they like exercising and eating right. Read more.
  • How to Help Retirees Pick the Right Life Insurance: Hidden Value
    For something different: Here’s an article by a planner who thinks some clients should refrain from buying life insurance. Read more.
  • Covering the Bases With Life Insurance and College Funding
    For families that understand how FIUL works, it can be a great college funding tool. Read more.
  • What Policymakers Don’t Get About Couples Who Retire Together
    Sometimes, economists point out, husbands and wives have different needs and ideas. Read more.
  • 4 Ways Wellness Can Cost Annuity Clients a Fortune
    People who control their health risks need to plan for extra years of life. Read more.
  • Making Sense of Long-Term Care Planning
    If you’re new to this, here’s a place to start. Read more.
  • Top 10 Most Puzzling Financial Terms for Americans
    It may be shocking that only 16% of Americans have a high level of financial literacy. Read more.

Industry Articles

August 27, 2018
  • Sorry, No Room for Your Mom
    There’s one little problem with your clients’ LTC plans: LTC services providers are in decline. Read more.
  • 529 Plans vs. Roth IRAs: Which Is Better for College Savings?
    Mark Kantrowitz, publisher of Savingforcollege.com, explains the differences, but in most cases the winner is clear. Read more.
  • New Tax Deduction Might Favor Life Agents Over Retirement Advisors
    The IRS is definitely leaning toward lumping actuaries together with actors, doctors and other fancy professionals. Read more.

Industry Article – How to Sell More by Finding What Your Clients Need

May 23, 2018

How to Sell More by Finding What Your Clients Need
The worst obstacle to closing sales is that people think they’re broke. Read more.


DIAM: Employees underestimate chances of becoming disabled, and their need for income protection

May 11, 2018

May is Disability Insurance Awareness Month, and it’s no secret that Americans could use some education about this coverage and how not having any can have severe consequences in the event of a significant non-work injury or illness.

Employees who choose not to enroll in nonmedical benefits, like disability insurance, often say they don’t need the coverage. In fact, more than one in four 20-year-olds will experience a disability for 90 days or more before they reach 67, according to the Social Security Administration.

Almost 6 in 10 workers who opt out of disability insurance claim they don’t need the coverage or that it isn’t worth the cost, according to LIMRA data, but 75% of employees say they would have trouble paying for basic living expenses after several months if they became disabled and were unable to work.

Full Article


10-Year Review Of Disability Claims Shows Trend In Workplace Absences

May 10, 2018

Business Wire

CHATTANOOGA, Tenn.–(BUSINESS WIRE)– A 10-year review of disability claims shows the effects of an aging workforce, medical advances and the power of early intervention, according to data from Unum (NYSE: UNM), a leading provider of disability benefits. Unum tracks reasons behind workplace absence in its disability data and shares results each May during Disability Insurance Awareness Month.

This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20180503006409/en/

Key findings include:

  • Short and long term disability claims for joint disorders and musculoskeletal issues have increased significantly.
  • Cancer has stayed the No. 1 reason for long term disability claims, representing 17 percent of claims.
  • Pregnancy continues to top the list of short term disability claims, at 28 percent.
  • Long term disability claims for complicated pregnancies have decreased 47 percent.
  • The percentage of Unum’s short term disability behavioral health claims that transition to long term is down 15 percent, the result of a dedicated behavioral health program implemented at Unum.

Full Article


Industry Articles

May 10, 2018
  • Financial Advisors Must Talk to Clients About Health
    For a 45-year-old, simply managing high blood pressure could be like saving another $100,000. Read more.
  • To Boost Sales This Year, Talk to 27-Year-Olds
    A new table from the Census Bureau shows that there are an awful lot of them out there. Read more.
  • 9 Things to Talk About When Accountants Suggest a Change in Advisors
    Sometimes, accountants are not your friend. Here’s how to handle that. Read more.

Webinar – The Future of Income Protection

April 24, 2018

What can be more important than insuring that your clients will always have a paycheck if they are too sick or hurt to work? In the past, selling Disability Insurance (DI) has been complicated and confusing; but this webinar will open the door to the future of income protection.

Bryan Orr, Principal’s Sr. Disability Sales Manager, and Ron Cohen DIA, DIF, DI specialist with Resource Brokerage, will present a new training webinar designed to prepare you to sell Income Protection DI to your client base.

Full Details