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

Power Your Insurance Sales Presentations with Infographics

Posted by The DIS Sales Team on Thu, Mar 14, 2019 @ 12:03 PM

By now, you’re probably familiar with infographics. They bring data to life with visual illustrations. Infographics are great sales tools because they significantly improve learning and retention. So, how should you use infographics in your sales presentations?

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Topics: infographics, insurance sales presentation, how to use infographics in insurance sales

10 Things to Know About Business Overhead Expense (BOE) Insurance

Posted by The DIS Sales Team on Mon, Mar 11, 2019 @ 12:03 PM

Brokers: If you have clients who are small business owners, you know that the owner is the heart of the business. In many cases, the business would have trouble continuing if the owner was unable to work. Likewise, the owner would have trouble paying his personal bills if his business could not continue.

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Topics: business overhead expense insurance, BOE insurance

Do Your Clients Know Their Kids Could be On the Hook for the LTCI Expenses?

Posted by Vincent Benitez on Tue, Mar 5, 2019 @ 13:03 PM

A lot of people don’t plan for long-term care. Maybe they think they don’t need it – even though, according to the U.S. Department of Health and Human Services, 65-year-olds have a 70 percent chance of needing long-term care at some point.

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Topics: filial responsibility, LTCi expenses

How to Find Goldilocks Prospects for Disability Insurance Sales

Posted by The DIS Sales Team on Wed, Feb 27, 2019 @ 10:02 AM

Anyone who DEPENDS ON A PAYCHECK can potentially benefit from disability insurance. Those words “depends on a paycheck” are key. Some people get a paycheck but don’t depend on it because they are independently wealthy or they have passive income streams, such as rental units. Others get a paycheck but don’t depend on it because they live with their parents. Both of these groups are not strong candidates for disability insurance.

On the other end of the spectrum, there are people who depend on their paychecks, but they don’t earn very much and have no budget. These people are also not good disability insurance prospects.

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Topics: disability insurance sales, disability insurance prospects

Insurance Marketing: The Art and Science of Asking for Referrals

Posted by The DIS Sales Team on Tue, Feb 19, 2019 @ 10:02 AM

To grow your business, you need new leads. For lead generation, few insurance marketing strategies can beat word-of-mouth advertising. So, the question becomes: how can you get leads while making use of word-of-mouth of mouth advertising? And the answer is simple: by asking for referrals.

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Topics: insurance marketing, asking for referrals

The Disability Insurance Family Care Benefit: What You Need to Know

Posted by The DIS Sales Team on Tue, Feb 5, 2019 @ 10:02 AM

It’s no secret that parents occasionally have to miss work to take care of a sick child. But what if the sickness doesn’t end in a day or two? What if a worker needs to take off a substantial amount of time to care for an ailing family member? It’s a common problem that can lead to financial disaster – but a disability insurance policy with a family care benefit can help.

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Topics: disability insurance family care benefit

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: individual disability insurance, avoid foreclosure