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Tuesday, February 25, 2025
Your Clients and Prospects Aren’t Fixing Small Problems — They’re Solving BIG Ones Have you ever had a seemingly great case stall? Maybe your client hesitates to sign the application you've worked tirelessly on, or perhaps you've...
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Tuesday, April 16, 2024
Income is important; possibly the most important resource to reach financial goals.
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Wednesday, July 8, 2020
Some time back, I spoke with an agent looking for advice on how he could encourage his small business-owning clients to take action and buy disability overhead expense policies. The rapport the agent had with his clients was solid....
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Wednesday, June 3, 2020
The way I see it, Cole Hahn's are not a whole lot different than a pair of Air Yeezy's. That said, I have to admit that Cole Hahn's coordinate much better with my "middle-class fancy" look, which usually consists of a polo shirt and...
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May is the month to bring awareness to Disability Insurance and how you can help your clients plan for life’s “what if?” moments. During Disability Insurance Awareness Month or DIAM, we’ve created a series of...
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May is the month to bring awareness to Disability Insurance and how you can help your clients plan for life’s “what if?” moments. During Disability Insurance Awareness Month or DIAM, we’ve created a series of...
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May is the month to bring awareness to Disability Insurance and how you can help your clients plan for life’s “what if?” moments. During Disability Insurance Awareness Month or DIAM, we’ve created a series of...
Read More
May is the month to bring awareness to Disability Insurance and how you can help your clients plan for life’s “what if?” moments. During Disability Insurance Awareness Month or DIAM, we’ve created a series of...
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May is the month to bring awareness to Disability Insurance and how it can help your clients plan for life’s “what if?” moments. In preparation for Disability Insurance Awareness Month or DIAM, we’ve created a...
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Wednesday, April 8, 2020
Let’s say I had an out-of-body experience when I heard myself order, “A double cheeseburger, large fry, and a Diet soda.” Oh, the irony of my selections. What in the world of good did I think the Diet soda was going...
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Wednesday, February 26, 2020
I was in Sunday School, which is where you find me most Sunday mornings, and like many of us, my class starts off with prayer and prayer requests. This week, however, I noticed something I hadn’t noticed before, and interestingly...
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Tuesday, January 14, 2020
What would happen to a loan if a business-owner professional couldn’t produce? This question reminds me of a young medical professional who found himself in a situation to use his disability income insurance. It wasn’t...
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Thursday, December 19, 2019
It’s Christmas Eve night, and the location is Kings College Chapel in Cambridge, England. The Chapel Boys’ Choir has taken their spots, and the candles are lit with 370 Million television viewers waiting for that first note...
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Wednesday, October 30, 2019
“It’s not what you look at that matters, it’s what you see” – Henry David Thoreau I’ve heard that if you don’t want to talk to anyone at a social gathering, when you’re asked what you do,...
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September is Life Insurance Awareness Month (LIAM), and we’re providing resources and conversation starters each week that you can share with your clients. We hope you’ll find that they fit into conversations year-round,...
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September is Life Insurance Awareness Month (LIAM), and we’re providing resources and conversation starters each week that you can share with your clients. We hope you’ll find that they fit into conversations year-round,...
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September is Life Insurance Awareness Month (LIAM), and we’re providing resources and conversation starters each week that you can share with your clients. We hope you’ll find that they fit into conversations year-round,...
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September is Life Insurance Awareness Month (LIAM), and we’re providing resources and conversation starters each week that you can share with your clients. We hope you’ll find that they fit into conversations year-round,...
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September is Life Insurance Awareness Month (LIAM), and we’re providing resources and conversation starters each week that you can share with your clients. We hope you’ll find that they fit into conversations year-round,...
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Monday, July 15, 2019
The first thing we must mention is that cold calling is still effective. Whether you are a financial advisor, real estate agent, software salesperson, or any other position in sales, you should accept the fact that some of your...
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Wednesday, June 19, 2019
At Guardian, we work with all kinds of producers from different backgrounds. Some are brand new and need training from the ground up. Some are experienced with their own planning process, and just need us for sales support, competition...
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Tuesday, May 21, 2019
I’m Sam Duffey, and I love helping folks understand income protection! At the writing of this paper (2019), I’ve worked with financial professionals & clients on over 1,300 disability insurance cases since 2009, and...
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Thursday, May 9, 2019
1. How much does the company-sponsored plan pay? This is by far the most missed opportunity I see. Financial professionals too often only ask IF their client has disability insurance. That’s taking a survey, not strategizing....
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Monday, May 6, 2019
May is Disability Insurance Awareness Month, so I am going to outline some of the best independent resources available to help educate clients and employers on the risk of disability and the importance of a comprehensive income...
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Tuesday, April 30, 2019
What is Mental/Nervous coverage, and why is it so important? If you’ve sold any disability income insurance at all, you have probably seen or heard this term: “mental/nervous.” Group LTD policies have a 2-year...
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Thursday, April 18, 2019
Business owners are some of the most challenging and rewarding types of clients for financial professionals, but this complexity can often serve as a barrier of entry into the business market. I’m going to explain to you why...
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Tuesday, April 9, 2019
A topic we are constantly addressing with brokers is the underwriting process. “Is your underwriting competitive?” is the question that is often asked. To understand the answer to this question, let’s look at the...
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Monday, March 25, 2019
One of the first things we discuss with a producer new to Ashford Brokerage is how to describe the product in the most effective manner. This begins with moving away from the term “Disability Income Insurance” and moving...
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Wednesday, February 27, 2019
1) The Stakes Are High. When we see a physician making mid to high six figures, we think they have made it! This may seem so, but like a NFL football player, the physician’s career earning years are shorter than the typical...
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Monday, February 11, 2019
Imagine yourself the captain of a transoceanic vessel. The ocean is a big place. As a matter of fact, a mighty big place covering about 70% of the earth creating a significant challenge for oceanic transportation. Any captain worth...
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Tuesday, January 29, 2019
It's not uncommon to talk to a financial professional who tells me that they don't "do" disability insurance, but as I follow up, they quickly respond that it's an important component to a complete financial plan. I just don't...
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Wednesday, January 16, 2019
My work with insurance producers and financial advisors has its perks and one of them is seeing first-hand how successful producers do their job. My favorite brokers to observe are those who perform excellently and continue to grow a...
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Thursday, January 3, 2019
So the story goes, Cinderella gently places her foot in the glass slipper and the fairytale that follows is amazing. Life insurance can be a lot like the glass slipper where everyone else in the land tries to cram, wedge, and squeeze...
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