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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

What it means to be offered voluntary benefits by your employer

Studies show that for 62 percent of employees, benefits played a significant role in choosing to work for their company.  When considering a job offer, medical, dental and vision benefits are likely top-of-mind but as the workforce and healthcare changes, so do the benefits employers are offering. Your company may now offer voluntary benefits in addition to their core medical plans such as life insurance, critical illness insurance, accident or disability insurance. Why are they adjusting their plans and what does it mean for you? 

Posted on May 14, 2019 in Consumer

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

5 steps to take after buying life insurance

Purchasing a life insurance policy is an important step in establishing financial security. Which is why, after purchasing life insurance, you should feel good; you’ve done the responsible thing. But, if you just purchased life insurance and you’re uneasy, wondering “Now what?” – don’t worry, you’re not alone. Purchasing life insurance is just the first step in owning a policy that will protect you and your family for the rest of your life. So, now that you have life insurance, here are a few things you should consider doing to make sure you get the most out of your policy. 

Posted on April 16, 2019 in Consumer

Disability insurance: before and after

By: Pam Handmaker, Senior Director of Product and Innovation 

There are lots of ways that an employer can boost production and motivate their employees. But think about this: how would productivity be affected if employees stopped receiving a paycheck? I’d venture to guess that the results would be somewhere in between “not good” and “disastrous.” Above anything else, an employees’ paycheck is the primary motivator for their work, which is why it’s so important for employers to allow them the opportunity to insure their paycheck with disability insurance.

Posted on April 11, 2019 in Disability insurance

4 ways to help reduce stress

Everyone experiences stress from time to time, but how you cope with it makes all the difference. Coping mechanisms vary from person to person so it’s important to find what works for you. If you struggle with finding ways to relax or are just looking for new ideas, consider some of these options.

Posted on April 01, 2019

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

Your insurance translation guide

Navigating the insurance world can be a stressful and confusing task. In fact, 1 in 4 employees would rather clean a teenager’s bathroom than perform their open enrollment; it’s no wonder- deciphering insurance lingo can be a real headache. To help you get a better understanding, we have compiled a list of common, but often misunderstood terms that will give you confidence before, during, and after your enrollment.

Posted on March 26, 2019 in Consumer

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