Protection, income and supplemental gaps remain large despite crowded product shelves.
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Most of the group disability certificates we examined defined covered earnings as base salary and excluded bonuses, commissions and overtime.
Why working in the long-term care market deserves a higher standard.
Advisors recognize that online research is only a starting point, not a roadmap for what comes next.
It should come as no surprise that Social Security solvency is a major midterm issue.
An unexpected illness or injury can cut income or create expensive ongoing care needs that strain household finances and long-term goals.
What owners must know before they buy.
The deal closes in a day. Whether you keep the clients and the team depends on what happens in the three months that follow.
An effective modern system ties together the carrier, agent, and customer experience
What good is living to 100 if you’re broke and miserable?
Families don’t have much time to make decisions when a loved one faces a stay in a care facility.
Technology clearly has a place in the client relationship, but its value depends on how thoughtfully advisors use it.
Founders don’t have to wait until they start thinking about retirement or see an opportunity to make a sale to start offloading responsibilities.
GenAI can improve efficiency across the insurance industry but it also introduces risks that insurers must understand and manage.
What contractual risk transfer looks like.
A strong niche brings together the right audience and opportunity with your expertise and experience.
Is the long-term care statistic real?
Benefit enrollment season is an ideal time to overcome this bias by systematically evaluating healthcare benefits to reduce costs and make long-term financial plans more efficient.
Outside of corporations, coverage against cyber risks remains an underpenetrated market.
The definition of good service: not reactive, but anticipatory.
