Employee communication is the fuel for benefits success

By: Mike Dahlinger, Regional Sales Director, Michigan

Imagine you are selecting a car to race. Your options are a brand new, top-of-the-line Formula 1 racecar and a beat up old station wagon with wood paneling. Most likely, you’re getting behind the wheel of the racecar, right? Well, let’s add this twist; what if the old station wagon has a full tank of gas and there isn’t a drop of fuel in the F1 racecar. Suddenly, the old station wagon doesn’t look like such a bad choice.

Posted on July 02, 2019 in Employee Communication

Budgeting for life insurance - costs in context

Consider this — if you were to rank your financial priorities, where would life insurance land on that list? All too often, misconceptions about the cost of life insurance deter employees from purchasing coverage that could protect them financially. This is particularly true of young people who tend to prioritize other purchases. In fact, 57 percent of millennials feel that paying for internet, cell phones, or cable is more important than purchasing life insurance.1 In reality, life insurance is likely more affordable than you think and it’s best to be prepared for the unexpected. 

Posted on June 25, 2019 in Consumer Life Insurance

Universal life insurance and the right hat

By: Jimmy Stoffer, Regional Sales Representative, Dallas/Fort Worth

In a given day, how many different “hats” do you wear? You wake up in the morning and you may be a spouse and a parent. You head to work and you’re a professional. You get a call from your sister on the way home and suddenly you’re a sibling. In the insurance industry, it’s important to remember to try and put your “employee” hat on.

Posted on June 20, 2019 in Life Insurance Sales

A financial snapshot: how are employees doing?

Sometimes, life throws you the unexpected. And, when that unexpected event happens, it can throw your finances into chaos. More or less, that’s the basis of the entire insurance industry. Of course, this also supposes that people aren’t financially prepared for that unexpected event. More often than not, that tends to be the case. For a better understanding, let’s look at the financial challenges facing employees and what their existing insurance coverage looks like. 

Posted on June 06, 2019 in Employee Communication Industry

The importance of preventative care

Health and wellness ranks higher on some people’s priority list than it does for others. But, no matter where you fall on the spectrum, it’s beneficial to keep tabs on your overall wellbeing. Practicing preventative care can help you maintain or improve your health as well as avoid major medical problems down the line.  

Posted on June 04, 2019 in Consumer Health & Wellbeing Wellness

Disability Insurance Awareness Month – A closer look at the numbers

Stats can be tricky, which is why context is always important. For example: a number one selling shoe? Sounds, impressive. But a number one selling shoe at a store that only offers one type of shoe? Not so impressive. So, for Disability Insurance Awareness Month, we thought we’d provide a little more context to some of the stats we see when discussing disability insurance to help drive home the importance of protecting your paycheck.

Posted on May 16, 2019 in Consumer Disability insurance Industry

Understanding the medical gap

Have you ever received a shocking medical bill for an expense you thought would be covered by your insurance? If so, you’re not alone. And, if not, it’s important to understand why this sometimes happens so that you can be prepared. Many people find themselves in this situation due to a medical coverage gap they may not have been aware of.  But what do we mean when we reference this “gap” and where does it come from? Here are a few points to help you better understand and avoid this medical coverage gap.

Posted on May 07, 2019 in Consumer Employee Communication Enrollment

Voluntary benefits: Fast food or fine dining?

By: Brent Simmons, Regional Sales Director, Georgia

There are times where it’s okay to trade quality for convenience. In a hurry to get out the door in the morning? Maybe you can skip on using the waffle maker for breakfast. There are also times where it’s best to take your time and aim a little higher. Going out for your anniversary? Maybe fast food isn’t your best bet. Offering voluntary benefits is definitely one of those situations where taking shortcuts isn’t in your best interest.

Posted on May 02, 2019 in Sales

Yes, a hybrid product CAN solve the issue of long-term care

By: Scott Smith, Senior Director of Sales & Reenrollments and Joe Goolsby, Regional Sales Director, Midwest Region

“Necessity is the mother of innovation.” With dwindling options for long-term care insurance and a growing need for consumers to account for care, this phrase rings particularly true. In recent years, we’ve seen that bundling long-term care (LTC) with universal life seems to have been the innovative solution to tackle the need. But as with any new and mold-breaking idea, sometimes there is skepticism: can a bundled product provide sufficient protection to meet consumer needs? 

Posted on April 18, 2019 in Life Insurance

Are you only having half of the life insurance conversation?

By: Dan Johnson, Vice President, Sales & Marketing

A new study from Atidot found that just 26 percent of the life insurance need in the United States is currently being met. The study estimated that this translates to nearly $70 billion in premium on an annual basis. More importantly, this just goes to highlight the risks facing many of today’s consumers and their families. It’s easy to speak to the life insurance gap in broad statistics, but it’s important to remember what that gap means. 

Posted on March 28, 2019 in Life Insurance Sales

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