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Your Guide to Living Benefits in Insurance Plans

“Living Benefits” has become the phrase for companies marketing Critical Illness insurance plans and rightly so. But what exactly are living benefits and what is making them so popular as insurance...

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Why We’re Failing Our Policyholders

Simple but critical concepts, like the cost of delaying a term conversion, must be done annually with a needs review.A policyholder with a $75,000 term policy called in to change his address. Let’s...

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Elimination of Commission Payments in Health Markets

Numerous studies have shown that choosing the right health insurance coverage is a daunting task for many consumers, especially those who have never had coverage. Consumers need advice from informed...

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Uncovering the True Meaning of Disability

When you hear the word disability, what is the first thing that comes to mind? If you’re like most people, you might imagine the physical objects commonly associated with an illness or accident such as...

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