HELPFUL ARTICLES AND UPDATES FOR BROKERS:
Introduction to Disability Income Insurance; The Avon News (8/11/10) "In this article, we will discuss some initial considerations in determining whether an individual diability income insurance policy is appropriate for you". Read More
30 Percent of Households In The U.S. Do Not Have Coverage by Matthew Sturdevant; Hartford Courant (7/31/10) Interesting article our of the Hartford Courant today. Mentions that 30% of American households are without life insurance. There are 307,006,550 people in the U.S. That means that there are 92,101,965 possible clients out there for life insurance. Read More
2010 Long Term Disability Claims Review (7/1/10) Read More
"I'm 25 Years Old. Why Should I Care About Life Insurance?" (6/22/10) Many 20-somethings find themselves thinking that retirement is a long way off. So far off that they think they should have to think about it now. Some of them even believe that they are invincible. They graduate from college, get a good paying job, and with no family to take care of, they tend to think that the only person they have to worry about is themselves. Read More
"When the Going Gets Tough" by Julie Britt (6/11/10) To increase your life insurance sales, build trust in your prospects and tailor your presentation to their needs...Read More
"The Proper Way to Ask" by Ray Vendette (6/10/10) If your staff asks your multiline clients the right questions, they will sell lots of life insurance policies...Read More
"The 4 C's of Excellent Service" by Michael Roby (5/8/10) Client-focused recommendations, consistent follow-through, clear communications and continual plan review will help you grow your business. Read More
"Women and Disability Insurance - Are you covered in an emergency? "Women now make up nearly half of the U.S. workforce, and they're increasingly the primary or sole earners in their families..." Read More
"The Money Machine" by Vicki Sweeney The Valley Press (3/25/10) Read More
Tax-favored 1035-Exchange long term care insurance premium payments? NOT YET! (2/1/10) The Pension Protection Act has recently put into effect the allowance of partial 1035 withdrawals from a fixed annuity to pay for long term care tax free Read More
11 Reasons a Person Should Buy A Long Term Policy Read More
Long Term Care Article Featured in The Valley Press (2/13/09)
Robert Loomis, CLTC, our Long-Term Care specialist and Vicki Sweeney, our Insurance Brokerage Manager, wrote this article about Long Term Care Insurance and it was recently featured in The Valley Press. Read More
American Recovery and Reinvestment Act of 2009 (ARRA)
The American Recovery and Reinvestment Act of 2009 (ARRA) reduces the COBRA premium for individuals who experience an involuntary termination of employment from September 1, 2008 to December 31, 2009. Additional information is provided below as well as model COBRA notices for employers' use.
> FAQs for Employers Read More
> COBRA General Notice (Short Version - for AEI's currently on COBRA) Read More
> COBRA General Notice (Full Version - for individuals who experienced a qualifying event on or after September 1, 2008) Read More
> COBRA Special Election Period Notice Read More
NEW PRODUCT UPDATES:
- MAY 2010 - RH&A Appointed with Columbus Life Insurance Company! A member of Western and Southern Group, Columbus Life makes up our top age last birthday carrier with an "AM Best" A+ Rating. Nautical Term - Client Brochure
- Extemely competitive rates for smokers
- Disability waiver of premium rider
- Return of premium rider
- Child and other insured riders