With more climate-related risks affecting homeowners, helping your clients itemize their home inventories before a loss occurs can save them hours of time and help them recoup more of their…
As the marketplace for long-term care insurance continues to shrink, more agents seek ways to expand their revenue and meet their insureds’ needs by offering other coverages. Critical illness coverage,…
An agent asks: I sold a life insurance Trust UL policy many, many years ago. The Doctor recently died. He had Option B (option 2). The face amount was $500,000…
Insurance (or assurance), as we understand the concept today, is more than 700 years old. But what events shaped our modern world of insurance? Following are some interesting facts, myths,…
The Affordable Care Act has permanently altered the health insurance industry and is a topic of tremendous importance to agents and brokers in all areas of insurance and financial advising.…
As tough a sale as it is, life insurance can be sold. A far tougher sale is disability insurance. Most prospects do not understand statistically how likely they are to…
Because a bank deposit is a loan from the customer to the bank, like any loan or contract in general, it’s quite possible that the bank’s promise to repay the…
Estate planning can be defined as planning for the transfer of wealth (a large amount, a small amount, or something in between) at a person’s death, and the making of…
Estate planning generally consists of a plan to distribute accumulated wealth upon death, using life insurance to protect survivors from financial distress, and minimizing taxes and expenses associated with this…
A business owner may be surprised to learn that a small loss to business property ends up with a much larger loss of income. That problem may be solved with…
