Insurance Broker Explains if Makes Sense to Have Both Term and Cash Value Insurance

Insurance Broker Explains if it Makes Sense to Have Both Term and Cash Value Insurance

Insurance Broker Explains if it Makes Sense to Have Both Term and Cash Value Insurance As an experienced Insurance Broker, I get questions all the time from clients about Term and Cash Value Insurance. In most instances, it makes a lot of sense to have both term coverage that’s temporary in nature such as to…

Insurance Broker Discusses Eligibility for Benefits

Insurance Broker Discusses Eligibility for Benefits

Insurance Broker Discusses Eligibility for Benefits As an experienced certified Insurance Broker, I constantly get asked when an individual can be eligible for benefits.  Benefits under long term care insurance policies are uniformly triggered these days by the inability to do two out of six activities of daily living, otherwise known as ADL’s. Those ADL’s or activities…

Insurance Broker Explains Disability Riders You Should Be Aware Of

Disability Insurance Broker Explains Disability Riders You Should Be Aware Of

Disability Insurance Broker Explains Disability Riders You Should Be Aware Of As a knowledgeable Disability Insurance Broker, I get questions all the time from physicians and dentists about disability riders you should be aware of. I think the most important secondary coverage or rider to place on a policy is a residual or partial disability rider.…

Insurance Broker Explains Common Insurance Underwriting Outcomes

Life Insurance Broker Explains Common Insurance Underwriting Outcomes

Life Insurance Broker Explains Common Insurance Underwriting Outcomes As an experienced Life Insurance Broker, I often get questions from physicians and dentists regarding life insurance outcomes. The outcome in most instances when one applies for life insurance is they will receive a life insurance policy. They may not, however, as quoted receive the best rates available…

Insurance Broker Explains UMRS-UDRS Exclusive Guaranteed Issue Disability Plan

Disability Insurance Broker Explains the UMRS-UDRS Exclusive Guaranteed Issue Disability Plan

Disability Insurance Broker Explains the UMRS-UDRS Exclusive Guaranteed Issue Disability Plan As an experienced Disability Insurance Broker, I get questions all the time from clients about UMRS-UDRS exclusive guaranteed issue disability plan. UMRS and UDRS have provided a guaranteed issue disability program for all of their current residents as well as residents who go on…

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Life Insurance Broker Discusses Additional Drop-Ins or Prepayment of Premiums of Life Insurance

Life Insurance Broker Discusses Additional Drop-Ins or Prepayment of Premiums of Life Insurance As experienced Life Insurance Brokers, we often get questions from physicians and dentists about universal policies, adjustable policies, and equity index policies.  These policies allow additional prepayment of premiums. There won’t be the same commission taking out of that money, there will not be…

Insurance Broker Defines a Reconsideration Period

Insurance Broker Defines Reconsideration Period

Insurance Broker Defines Reconsideration Period As an experienced Insurance Broker, I often get questions from clients about the reconsideration period. A reconsideration is a period of time where the insurance companies will allow you to go back to them to obtain better rates. You may be currently just finding out you have high blood pressure…

Insurance Broker Discusses the Types of Life Insurance Available

Life Insurance Broker Discusses the Types of Life Insurance Available

Life Insurance Broker Discusses the Types of Life Insurance Available As an experienced Life Insurance Broker, I get questions all the time from physicians and dentists inquiring about the different types of life insurances that are available. The two basic types of life insurance are term life insurance and permanent life insurance. There are so many different…

Insurance Broker Explains the Underwriting Outcomes Process of Disability Insurance

Disability Insurance Broker Explains the Underwriting Outcomes Process

Disability Insurance Broker Explains the Underwriting Outcomes Process As a skilled Disability Insurance Broker, I get questions all the time from clients about the most common underwriting outcomes. Interestingly enough, I’ve been doing this for 35 years and when someone finally realizes that they need disability insurance, they don’t realize that they have to apply…