February 18th, 2020

If you’ve spent much time as an LTCi agent, I’m sure you’ve heard, and even experienced long-term care insurance policies being subjected to premium increases over the years. Many people still have a bad taste in their mouths from the experience, but did you realize that long-term care policy has safeguards today that provide additional protections. To understand how the mistakes that led to spikes in premiums in the past have been fixed, first, you’ll need to understand how policy forms are structured.

February 18th, 2020

In this month’s edition of “Sean From the Field” I wanted to talk to you about the glorious topic of … Taxes! That’s right, I said it, Taxes! I know you are excited to read this; something truly sexy from the industry. I’m sure you’re thrilled by such a riveting topic but, given our profession, It’s entirely necessary. Considering the time of the year, I thought it might be a good idea to share with you some common tax deductions for independent insurance agents.

After all, we are in the world of 1099’s, maybe some of you could use some ideas for tax deductions.

February 18th, 2020

“I’m so glad we added Medicare to our list of services several years ago.  Medicare is a great service that all your clients are going to need so it just makes sense to gain the knowledge that you need to be able to navigate this market.  Producers XL has always been a great resource to help educate me & help me process my business.  Medicare University is a great resource to help you gain not only some initial knowledge in this market but also to get a refresher & learn a new thing or two if you have already been working in this market.” – Harrold, Wichita KS

February 18th, 2020

Money mistakes are like termites. They can gnaw away at your wealth. You might avoid major consequences for years-right up until you realize that a comfortable retirement has slipped away.

In a survey from ING Direct, 30% of U.S. retirees say they don’t have the same standard of living they enjoyed while working. Some of the respondents still working, 24% expect to make a change in their lifestyle after they retire. 64% of pre-retirees will need to find another form of income in retirements, such as part-time work or selling assets.
A leaner lifestyle and working a part-time job isn’t anyone’s vision of a perfect retirement. You’ll definitely want to avoid these money mistakes; they could wreck your retirement.

February 18th, 2020

Lately, it seems I’ve been fielding a lot of calls and emails from agents about how to submit term life applications.  Let me explain what I mean.  It’s not the term product itself that is producing questions and discussions, it’s the process; it’s the technology.  Isn’t it ironic that in a time where we have amazing technology at our fingertips, we have serious doubts about what the heck it is we’re doing?!  I’ll be honest with you, I’m kind of old school and sometimes I miss the days of paper applications.  However, there is some amazing tech available that will greatly reduce your time and effort in submitting and placing your business. I think the confusion that most agents have stems, ironically, from the sheer number of options available.

January  21, 2020

I want to talk to you for a minute about something uncomfortable.  I want you to think for a minute about your own lives and your own circle of family and friends… how many people do you know that have had cancer, heart attack, stroke, or have Alzheimer’s or dementia?  Regardless of YOUR age, I’m guessing that each of you can say that you personally know someone that has had or gone through one of these life-altering health conditions.  If you haven’t… then you are truly blessed, but I can essentially guarantee you that it’s just a matter of time.

January  21, 2020

What would you consider a niche market? Is it short-term medical? Is it corporately owned life insurance? Well, I can’t help but to think that we’ve allowed Long-Term Care Insurance to become a niche market, however not in the way you’d expect. Niche relates to products, services, and interests that only appeal to a small, specialized section of the population and while I believe that LTCi provides a service that’s almost universally valuable I also think that, as agents, we have limited the market with our practices to the point that it neatly fits this description.

January  21, 2020

What would you consider a niche market? Is it short-term medical? Is it corporately owned life insurance? Well, I can’t help but to think that we’ve allowed Long-Term Care Insurance to become a niche market, however not in the way you’d expect. Niche relates to products, services, and interests that only appeal to a small, specialized section of the population and while I believe that LTCi provides a service that’s almost universally valuable I also think that, as agents, we have limited the market with our practices to the point that it neatly fits this description.

January  21, 2020

I love looking at statistics and when it comes to disability income we have a lot of statistics that show that most Americans do not have the coverage they need to protect their income. Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire. You might be thinking that most disability claims are due to some sort of an accident, but that’s usually not the main cause. Injuries at work? Freak accidents? It’s true, they happen. But the truth might surprise you.

November 26, 2019

I Saw It In The Stars New Ratings, The Cost of PDP, & More

November 12, 2019

November 12, 2019

October 28, 2019

October 1, 2019

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