“It just won’t happen to me”. And, yet, within a matter of seconds, one’s life can change forever. ANYONE can be involved in traffic accident, have a stroke, or suffer irreparable nerve damage and end up unable to work. The tragedy of such an event would be compounded by the fact that such a risk is insurable and [...]
So, your health care commissions have or may plummet, some by as much as 70%. You could blame the Patient Protection and Affordable Care Act of 2010 (PPACA) – that would be easiest thing to do. But, peel back the onion one more level and you get to the real culprit: the health insurance companies. They [...]
It seems that being in the middle is never where we want to be. But when it comes to disability insurance (DI), just the opposite is true. In fact, being in the middle — the middle market that is — has never been better. Who is the middle market? It is the people you see [...]
67% of workers in the private sector have no long-term disability insurance. Source: Social Security Administration, Fact Sheet March 18, 2011.
Q. Where does DI fit within the financial planning process? A. Financial planning begins and ends with income planning. Clients that depend on an income must do all they can to protect it from being eliminated or interrupted. Otherwise, there cannot be a financial plan! A financial plan for an individual or family where income is [...]
