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…
Disabilities on the Rise in the U.S. Offering your insureds individual disability protection can help them recover after an unexpected accident or illness. The average wait time for a SSDI…
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,…
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…
Independent agencies are not like many other businesses. They have unique cash management opportunities. A bank that recognizes this difference will offer a variety of specialized products, competitively priced, to help agents…
ATMs revolutionized banking more than 25 years ago and today online banking is now commonplace. And, now a new banking product, remote deposit, is being utilized to greatly improve business efficiencies,…
Current working partners have to find a way and method of buying out a deceased or permanently disabled member. A well prepared Buy-Sell agreement prepares for this possibility. Once again,…
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…
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…
