The DI and LTCI Blog - Your Source for Sales Tips and Advice

Using Health Savings Accounts to Pay Long-Term Care Insurance Premiums

Posted by Vincent Benitez on Wed, Jan 30, 2019 @ 09:01 AM

Long-term care is expensive, which is why there’s long-term care insurance. But there’s a catch – paying the premiums for long-term care insurance can also strain a person’s finances. That’s the bad news; now for the good news. If your clients have a Health Savings Account (HSA), they can use the funds to pay for long-term care insurance premiums. Even better, they can do this tax-free.  

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Topics: long-term care insurance, health savings accounts

Selling Disability Insurance to Millennials in 2019

Posted by The DIS Sales Team on Tue, Jan 15, 2019 @ 08:01 AM

Millennials aren’t as young as you think. In fact, many haven’t been teenagers for a while now. According to the definition used by Pew Research Center, Millennials were born between 1981 and 1996. This makes the youngest Millennials around 22 years old, while the oldest are around 38 years old.

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Topics: selling disability insurance, Millennials

Selling Individual Disability Insurance to Those Who Have Employer Coverage

Posted by The DIS Sales Team on Wed, Jan 9, 2019 @ 08:01 AM

Are you losing sales because people are worried about having too much of a good thing? Disability insurance is a good thing. There should be no doubt about that. Many people will experience an injury or illness during their working years, and without the safety net provided by disability insurance, the financial consequences can be disastrous.

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Topics: individual disability insurance, group disability insurance

Help Your Clients Avoid Foreclosure with Individual Disability Insurance

Posted by The DIS Sales Team on Thu, Jan 3, 2019 @ 10:01 AM

One illness or injury is often all it takes for a family to lose their home. If a breadwinner can’t work, the mortgage can’t be paid, and foreclosure is a likely result – unless the homeowner has individual disability insurance. 

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Topics: avoid foreclosure, individual disability insurance

Selling DI for Doctors and Other Medical Providers? Be Ready for This New Underwriting Issue

Posted by The DIS Sales Team on Thu, Dec 20, 2018 @ 15:12 PM

Some health care practitioners are being denied insurance coverage, and it appears to be a side effect of the opioid epidemic. The problem isn’t that these applicants are addicts. It’s that they carry naloxone, a prescription medicine used to reverse overdoses.

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Topics: DI for doctors, Noloxone underwriting issues

Insurance Sales Professionals: What Qualities Separate the GREAT from the GOOD?

Posted by The DIS Sales Team on Fri, Dec 14, 2018 @ 10:12 AM

You aspire to insurance sales greatness. There’s just one catch: Greatness is one of those things that can be hard to define. You know it when you see, but that doesn’t help much when you’re looking for concrete ways to improve.

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Topics: insurance sales, sales greatness

How the Gender-Neutral Movement Impacts Insurance Underwriting

Posted by The DIS Sales Team on Thu, Dec 6, 2018 @ 11:12 AM

Male or female? It’s a common question on any insurance application, but for some people, the answer isn’t so straightforward. If you’re helping a transgender client obtain disability insurance, it’s important to know how insurance underwriters approach the issue.

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Topics: gender neutral, insurance underwriting

Disability Insurance Shopping Insights: Is Return of Premium a Good Deal?

Posted by The DIS Sales Team on Tue, Nov 27, 2018 @ 15:11 PM

The holiday season is here. It’s a time filled with fun, family and friends – and more than a little shopping. According to a survey conducted by Coinstar, 77 percent of holiday shoppers expected to go over budget last year.

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Topics: return of premium, disability insurance rider, return of premium rider

Selling Disability Insurance? Rosemarie Can Help.

Posted by The DIS Sales Team on Tue, Nov 20, 2018 @ 10:11 AM

The odds of disability. The high cost of medical bills. The average amount of savings. When talking about disability insurance, we tend to cite a lot of numbers. For good reason, too – these numbers prove how essential disability insurance is.

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Topics: selling disability insurance, odds of disability, stories

Paycheck Protection by the Decade: Why Your Clients Need it in their 30s, 40s and 50s

Posted by The DIS Sales Team on Mon, Nov 12, 2018 @ 12:11 PM

Pop quiz: What’s the perfect age to buy paycheck protection? If you’re having trouble thinking of the answer, don’t worry. It’s a bit of a trick question. See, there really is no ideal age for paycheck protection. Whether your clients are in their 30s, 40s or 50s, they have plenty of reasons to buy this important product.

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Topics: paycheck protection, right age to buy paycheck protection