Income protection is important since illness or injury could prevent working and reduce income, yet people rarely consider this risk. Disability insurance provides monthly benefits if unable to work due to sickness or injury, replacing part of lost income. While the average car costs around $30,000, the average disability claim lasts 4 years, with illness being the leading cause. Disability insurance is more affordable than many other regular expenses and helps reduce the risk of a disability leaving one unable to pay living expenses.
New Insurance vs. Old Insurance? it may be time to ask that questionMatt Morrison
Guaranteed Benefit with an exit strategy, it is finally time to start thinking about yourself while still providing your loved ones with exactly what they will need
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
New Insurance vs. Old Insurance? it may be time to ask that questionMatt Morrison
Guaranteed Benefit with an exit strategy, it is finally time to start thinking about yourself while still providing your loved ones with exactly what they will need
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
How can a retiree create income for life using annuities? This is the slide deck from our presentation. If you would like to attend in person, please contact us at (904) 425-0943.
Long Term Disability Insurance Coverage Can Alleviate Your Ordealrenesmeeburton
Long term disability can cause economic hardships, emotional distress, and acute mental agony arising from the feeling that a person is no longer in position to take good care of themselves or family.
Important Things to Know About Long Term Care (LTC) InsurancePravesh Vasudeva
Long Term Care (LTC) insurance isn't just for seniors. You may become unable to care for yourself for 90 days or more at any point in your life. Long term care insurance can cover some of the costs of a care facility or a caregiver in your own home following an accident or illness. Here's everything you need to know about LTC Insurance.
I recently returned from the MDRT meeting in Vancouver BC, many of the "big hitters" are using the "Living Benefit" policies because of the "added value" they bring to the client along with "something new and different" to the insurance discussion ( i.e. do you have the "old" insurance or the "new" insurance? etc.) They also mentioned the statistic that 80% of the people will have a Heart, Stroke, or Cancer concerns ( Critical Illness) in their lifetime.
RE now has a professional alliance in insurance! Please let us know if you want one of our affiliated specialists to assist you with your individual disability insurance needs....
How can a retiree create income for life using annuities? This is the slide deck from our presentation. If you would like to attend in person, please contact us at (904) 425-0943.
Long Term Disability Insurance Coverage Can Alleviate Your Ordealrenesmeeburton
Long term disability can cause economic hardships, emotional distress, and acute mental agony arising from the feeling that a person is no longer in position to take good care of themselves or family.
Important Things to Know About Long Term Care (LTC) InsurancePravesh Vasudeva
Long Term Care (LTC) insurance isn't just for seniors. You may become unable to care for yourself for 90 days or more at any point in your life. Long term care insurance can cover some of the costs of a care facility or a caregiver in your own home following an accident or illness. Here's everything you need to know about LTC Insurance.
I recently returned from the MDRT meeting in Vancouver BC, many of the "big hitters" are using the "Living Benefit" policies because of the "added value" they bring to the client along with "something new and different" to the insurance discussion ( i.e. do you have the "old" insurance or the "new" insurance? etc.) They also mentioned the statistic that 80% of the people will have a Heart, Stroke, or Cancer concerns ( Critical Illness) in their lifetime.
RE now has a professional alliance in insurance! Please let us know if you want one of our affiliated specialists to assist you with your individual disability insurance needs....
Like most, unless you know someone who has been disabled, you may not see the value of Disability Insurance. You may think it won't happen to you, but if it does, you are vulnerable to lost income.
Fraser Trebilcock teamed up with Lansing Regional Chamber of Commerce to present a free seminar to help employers keep up with changes related to Health Care Reform. This is the fourth presentation in the Business Education Series, titled "Navigating the ACA Marketplace: Guidance for Small Businesses and Individuals". Michael James, Senior Health Care and Business Attorney from Fraser Trebilcock, presented the keynote presentation.
Protect yourself for whole of life with lifelong protection options with life and health insurance plans. To get more details visit https://www.hdfclife.com/documents/apps/c2p-health_retail_brochure20170828-123436.pdf
To learn more about thisplan visit https://www.hdfclife.com/term-and-health-insurance-plans/click-2-protect-health-plan
Understanding the ObamaCare North Carolina Health Insurance Plans
As a result of the Affordable Care Act (a.k.a. ObamaCare) the following provisions are now in place for health insurance policies with an effective date January 1, 2014 or after:Individuals cannot be declined for health insurance or charged more due to their health status or gender.
Insurance premiums are based on age, your zip code and tobacco usage.
Coverage limitations or exclusions based on pre-existing conditions are not allowed.
Elimination of annual and lifetime coverage limits.
Prohibition of declining an individual for coverage based on their participation in an approved clinical trial.
Maternity and mental health are included on all policies.
Preventative dental is covered with a $25 copay for members up to age 19. There is also some vision coverage for this age group.
Whether or not your children are students they can stay on your policy until age 26.
Introduction of the Medical Loss Ratio (MLR) which ensures that 80% of the premium dollars paid to the health insurance issuer are spend on providing health care. An insurance company that does not do this must provide rebates to their policyholders
http://www.hisonc.com/obamacare-north-carolina
Allows you to comprehensively and objectively assess the detail of your current life or income protection insurance policy against itself and the market from a quality and cost point of view
Understand how health insurance actually works and then visit us at www.selectmycoverage.com to compare quotes from all the various carriers and even apply online. Should you need assistance, please contact our office. Thanks for checking us out!
1. NOT FOR USE IN CALIFORNIA AND FLORIDA.
Income Protection Realities
Income is critical to most workers’ financial security, yet they rarely think about how an illness or injury
could prevent them from working and put their income at risk.
You
protect
your
Income... your most valuable asset
Average price
of a car
Average duration for all MassMutual DI claims based
on claims incurred from 1986 - 2013: 4 years
Illness
90%
The Disability
Income Gap is the
difference between
current net income
and the income you
would receive if you
became disabled.
Look at how the annual cost of Disability
Income (DI) insurance compares to annual
costs of other products/services.
Why not
protect your
$400,000
Salary
$100,000
Bonus
$300,000
Net Income
Annual
Gross Income
Net Income
Net Income
After a Disability
The sample rate shown is for a male. DI insurance costs
for a woman using the same parameters is $1,461.
Home Car Life Identity Income
Most common cause of disability3
Average price
of a house
$50,000 salary
of a 35 yr. old
retiring at age 65
$1,500,000
$366,0002
$33,5431
accident/injury
10%
not
Disability Income Gap
$7634
$9845
$1,2006
$9297
Large
coffee
Satellite
television
Smartphone
service
IndividualDisability
IncomeInsurance
20-year-olds will become disabled before they retire8
1 in 4
Chart assumes a 25%
tax rate. Actual tax
rates may vary.