Many women are both mothers and breadwinners. According to the Center for American Progress, 67.3 percent of married mothers are employed, and 73.2 percent of unmarried mothers are employed. In 2017, 41 percent of mothers earned at least half of their family’s income. Women are taking on a lot of responsibility for their families. They’re making big financial decisions – but they don’t always feel confident about it. Women’s Financial Confidence Lags According to Fidelity’s Money Fit Women Study, 60 percent of women worry about not having enough money for retirement, and 92 percent of women wa ..read more

Dentists and dental hygienists have a huge need for income protection. Now it’s easier than ever to specialize in this growing market with our DI for Dentists Sales Kit. This comprehensive sales kit includes: Insightful market data A sales letter template A client handout to explain BOE An IDI coverage checklist that helps you get your foot in the door, and compare your offer with their existing coverage Complete the form to download your DI for Dentists Sales Kit​ Download Here FirstName* LastName* email* phone* State* Alabama Alaska Arizona Arkansas California Colorado Connecticu ..read more

Do your clients have the protection they need? An injury or illness can put people out of work, depriving them of the paychecks they depend on while also derailing their retirement plans and drowning them in medical debt. Disability insurance can replace some of the lost income – and that’s important – but it may still leave gaps. For the ultimate disability protection, offer three layers of protection: disability insurance, retirement protection and critical illness coverage. Layer One: Paycheck Protection Many Americans are walking a financial tightrope. They earn enough money to cover their ..read more

You’ve heard of Guaranteed Standard Issue (GSI), but have you ever seen it used to underwrite key person disability insurance policies? Here’s how it works – and how it could be a life saver for the businesses you serve. The Advantage of GSI When getting a disability insurance policy, it may be necessary to go through a medical underwriting process that can include answering a series of questions and undergoing a medical exam. This may deter some people from pursuing coverage, either because they don’t want the hassle – or because they know their medical conditions could disqualify them for co ..read more

The medical market is one of the biggest markets for disability insurance. If you sell disability insurance, there’s a good chance you’re already serving this market—but you may be missing a big segment. The graduate medical education (GME) market is huge, and it’s a great opportunity for experienced disability insurance agents. The Long Path to Becoming a Doctor Doctors are responsible for saving people’s lives, so it’s probably a good thing that becoming a doctor takes years of education and training. First, would-be doctors need to complete their undergraduate studies. Then they need to att ..read more

Download Your GME DI Sales Guide The medical market is one of the biggest markets for disability insurance. If you sell disability insurance, there’s a good chance you’re already serving this market—but you may be missing a big segment. The graduate medical education (GME) market is huge, and it’s a great opportunity for experienced disability insurance agents. Download our GME Sales Guide to learn … GME market details GME schools in your area If you are a good match for this segment How The Standard’s GME program works Where to find tools, tips and resources to get started Complete the ..read more

Don’t leave government workers out of paycheck protection discussions. According to the U.S. Bureau of Labor Statistics, there are more than 21 million federal, state and local government workers. That’s a huge market, and it’s not one that insurance agents should ignore. Although government workers often have access to robust benefits packages, there may still be gaps in their coverage. An individual disability insurance policy can provide important protection, and there are options and discounts designed specifically for the needs of government workers. Understanding Benefits for Government ..read more

Dentists need paycheck protection. If you’re looking for a new market, there are plenty of reasons to focus on dentists, dental hygienists and other dental professionals. A Great Outlook According to the U.S. Bureau of Labor Statistics (BLS), there were 155,000 jobs for dentists in 2018. Over the next ten years, job growth is predicted to be 7 percent, which is faster than average. This means there will be 11,600 more dentists by 2028. In addition to dentists, dental hygienists, dental assistants and other dental professionals need paycheck protection. There were 219,800 dental hygienists and ..read more

Several months ago, if someone had told you that the U.S. would pass a $2 trillion stimulus package while multiple states issued stay-at-home orders, you probably wouldn’t have believed it. The COVID-19 pandemic has turned our lives upside down. It’s also taught us many things. Funny things, like the fact that your mute button is very important when you’re conducting conference calls at home while also caring for a toddler, or that people tend to buy tremendous amounts of toilet paper when panic shopping. Sad things, as well, like the fact that social distancing is especially devastating when ..read more

Let’s say you and a friend decide to start a business. It’s not easy, but through hard work and dedication, you’re able to make it a success. Everything is great – until everything goes wrong. A serious health condition leaves your friend and business partner unable to work. Now you’re struggling to keep the business going on your own. Meanwhile, your business partner and friend still needs an income. The best solution would be for you to put together the funds to buy out your friend’s interest in the business, but you don’t have the money to do this. Although you might not face this scenario ..read more