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Principal’s Enhanced DI Website

Posted by acampbell on Jul 26, 2017 in DI/CI
Ever wonder who to look at when selling individual DI? Or who the perfect client to market to is? Do you need to find leads?   Principal has a newly enhanced website to make it even easier to target DI prospects. Check it out here, and click to learn more about key markets.  

Calculate your income protection needs

Posted by DI and CI Team on May 18, 2017 in DI/CI
Disability Insurance Awareness Month is a great time to remind clients about the importance of income protection. Principal's new easy-to-use calculator makes it a snap to show your clients just how affordable DI can be. And, the calculator will direct your clients back to you for purchase. Just...

May is Disability Insurance Awareness Month

Posted by DI and CI Team on May 1, 2017 in DI/CI
Have you considered adding DI to your product portfolio? If not, now is a great time to take a look. And if you are a DI broker already, talk with our DI Team for ways to take advantage of DIAM. Also, be sure to check out George Wilkins Target InSights video, focused on the benefits of DI.   George...

Target’s Top Tools for the Business Market

Posted by stephanieg on Jan 17, 2017 in DI/CI
Take a look at our new collateral, as well as some of our favorite industry pieces, and please reach out to us if you have ideas for other pieces you'd like to see. Business Owners Need Protection DI in the Worksite   Disability Tax Guide Types of Business Organizations...

Target’s Top Tools for the Individual Market

Posted by acampbell on Jan 17, 2017 in DI/CI
Take a look at our new collateral, as well as some of our favorite industry pieces, and please reach out to us if you have ideas for other pieces you'd like to see. How to Target Millennials for IDI Sales New Audiences for Income Replacement (DI) Insurance Disability Disconnect ...

MetLife Individual Disability Insurance New Sales Suspended

Posted by DI and CI Team on Aug 24, 2016 in DI/CI
As previously communicated, MetLife is suspending all individual disability sales as of September 1, 2016. The last date to place issued policies is October 31, 2016. This suspension does not apply to group/GSI disability business. Click here to read the full announcement.

July 12: Salary Continuation and Executive Bonuses – Onsite 2 Hrs CE KS/MO

Posted by DI and CI Team on Jul 5, 2016 in DI/CI
Join us on Tuesday, July 12 at 8:30 am for onsite CE. The objective of this course is to learn more about the salary continuation and executive bonus programs. It will help give the producer a background on how each program works and how Individual Disability Insurance can be used to as one way to...

July 12: Solutions for the Highly Compensated – Onsite 2 Hrs CE KS/MO

Posted by DI and CI Team on Jun 23, 2016 in DI/CI
Join us on Tuesday, July 12 at 8:30 am for onsite CE. This presentation will outline the risks associated with disability and the solutions currently offered in the disability insurance industry that help protect and retain highly compensated, key employees. 1 Hour (8:30 - 9:30 am) In the second...

May is Disability Insurance Awareness Month

Posted by DI and CI Team on May 23, 2016 in DI/CI
Did You Know? BUSINESS AND INCOME PROTECTION ARE TOP PRIORITIES for business owners; yet most of them don’t have disability coverage.1 There are 28 MILLION SMALL BUSINESSES in the U.S., representing 99.7% of all employer firms.2 The DISABLED WORKER POPULATION CONTINUES TO GROW. Those receiving...

Disability Facts

Posted by DI and CI Team on May 12, 2016 in DI/CI
About two-thirds of the American workforce has no private disability insurance. This leaves them vulnerable to the financial consequences of an illness or injury that prevents them from earning an income. Without insurance, most long-term disabled American workers are forced to rely on government programs,...

May is Disability Insurance Awareness Month

Posted by DI and CI Team on May 5, 2016 in DI/CI
May is Disability Insurance Awareness Month. Each year, The Council for Disability Awareness joins forces with others in the insurance industry to raise awareness about the importance of income protection. The tools and resources on their website are designed to help advisors, employers, consumers,...

April 5: Combination Disability Update – Onsite 2 Hrs CE KS/MO

Posted by DI and CI Team on Mar 18, 2016 in DI/CI
Join us on Tuesday, April 5 at 8:30 am for onsite CE. You will learn the design options for a group long-term disability and individual disability income (DI) insurance combination program and how to present this solution to business owner clients and their employees. 1 Hour (9:30 am - 10:30 am) In...

Your ability to earn a living is far and away your Largest Asset!

Posted by DI and CI Team on Feb 19, 2016 in DI/CI
Think about it. What would happen if suddenly, due to an illness or injury, you were unable to work? Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? If you’re like most, it wouldn’t...

February 9: Trends In Disability Income – Onsite 2 Hrs CE KS/MO

Posted by DI and CI Team on Feb 1, 2016 in DI/CI
Join us on Tuesday, February 9 at 8:30 am for onsite CE. This course will help you learn more about the individual disability insurance industry and market trends that are currently happening today. It will help give the producer background into how the industry has evolved in the last 10-20 years....

February 9: Draft a Plan to Help Protect Business Owners – Onsite 2 Hr CE KS/MO

Posted by DI and CI Team on Jan 18, 2016 in DI/CI
Join us on Tuesday, February 9 at 8:30 am for onsite CE. You will learn the objectives and benefits of each of the solutions (Individual Disability Income, Overhead Expense, Business Loan Protection, Disability Buy-Out and Key Person) and how they may be able to work together to help give the business...

Here’s Why You Need Critical Illness Insurance (But Maybe Your Parents or Grandparents Didn’t)

Posted by DI and CI Team on Dec 16, 2015 in DI/CI
One thing that makes critical illness insurance unique is that it was not created by an insurance company, but by a world-famous heart surgeon, Dr. Marius Barnard. He was part of the team, headed by his brother, Christian Barnard, that successfully performed the first human heart transplant. Dr. Barnard...

Selling Disability Insurance? Share this Infographic with your clients!

Posted by DI and CI Team on Nov 23, 2015 in DI/CI
Sometimes pictures speak louder than words, and that's certainly the case with this new disability insurance infographic provided by the CDA. Check it out. Print it out. Share it with your clients. It will help them understand the grave need for paycheck protection. Hint: Click on the image to see...

Disability Awareness Quiz

Posted by DI and CI Team on Nov 9, 2015 in DI/CI
How much do you know about disability? Test your disability awareness. Take the "Disabilty Can Happen" Quick Quiz.   Sample Questions: Most disabling injuries occur on the job. FALSE: : 95% of reported CDA Member Company disability claims are not work-related. The 2010...

Disability Statistics

Posted by DI and CI Team on Oct 28, 2015 in DI/CI
Disability Statistics are daunting, indicating that 1 in 4 of today's 20 year-olds will become disabled before they retire. Over 37 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from 18-64. Disability...

Principal Financial requires Direct Deposit of all Commission Checks by October 31.

Posted by Gretchen Jabben on Sep 17, 2015 in DI/CI
For several years, the Principal Financial Group® has encouraged financial professionals to receive all types of payments via direct deposit. It is fast, simple and secure. As we continue to improve the quality of service we provide, we have made direct deposit our approved method of payment. Please...

Point-of-Sales Assistance

Posted by Life Team on Sep 10, 2015 in DI/CI
Point-of-sales assistance is a process where a financial advisor (FA) partners with the subject matter expert (SME) within Target Insurance Services. In this partnership, it is not uncommon for the FA and SME to meet jointly with the prospect and develop a customized insurance plan. In some cases, the...

Educational Opportunities

Posted by Gretchen Jabben on Jul 27, 2015 in DI/CI
September 28, 2017: No tricks--just lots of CE in October, including Jerry Bell August 2, 2017: 1, 2, or 3 hours of Ethics CE; 1 hour DI CE May 1, 2017: 2 hours with Jerry Bell; 1 hour 1035 Exchange CE March 29, 2017: 2 hr DI CE with Rick Cordara; Lunch and learn with Shawn Britt March...

Target Newsletters

Posted by Gretchen Jabben on Jul 16, 2015 in DI/CI
August 14, 2017: Policyhoder notices now sent via e-mail; Art of the rollover webinar; New commission structure from NGL July 17, 2017: New underwriting tools; Heidi Welch Target InSights video; UW update June 20, 2017: New Underwriting Tools from Target; Term Pricing Update from LGA; DOL Summary...

Target Newsletters

Posted by Gretchen Jabben on Jul 16, 2015 in DI/CI
An important part of our job here at Target is to keep our eyes open and pass along to you industry news, sales ideas and other information to help you grow your business. Matt McAvoy, CLU, ChFC, MSFS President READ MORE

Medical History Questionnaire

Posted by DI and CI Team on Jul 15, 2015 in DI/CI
To gauge your client's insurability, have them fill this out as completely as possible. We will use this form to find the best product for your client. You can use the Word document to fill out and email back to us, print the PDF for the client to fill out (then fax it to us) OR use the form below and...

What’s Your Excuse?

Posted by DI and CI Team on Jul 4, 2015 in DI/CI
We often hear the following, “When I started in the business I used to write a whole lot of DI insurance....” And this one, “ I provide investment advice for my clients to manage their accumulation of wealth limited exposure to market risk.” The question is this: when did it become “okay”...

Sick or Hurt…Not Me!

Posted by DI and CI Team on Jul 4, 2015 in DI/CI
Get out of your own way and kick the old story to the curb.

Simplified Underwriting

Posted by DI and CI Team on Jul 4, 2015 in DI/CI
Don’t let the excuse of “underwriting is too difficult” because insurance companies are doing as much as they can to reduce what is needed to make an offer! MetLife: Simplified Underwriting Program - Take a look at MetLife's underwriting process. MetLife: Simplified Underwriting Program FAQ...

The Most Lucrative Product in Financial Services

Posted by DI and CI Team on Jul 4, 2015 in DI/CI
Take a look at the income projection if you wrote 2 applications a month with an average premium of $1,500 per year! The time is perfect for you to create a great income and help your clients with one of their biggest concerns. View Brochure

Possible Outcomes

Posted by DI and CI Team on Jul 4, 2015 in DI/CI
Everyone that applies for an insurance product is in perfect health, correct? More often than not, health issues have an impact on the policy being applied for, so how can you be best prepared? The first suggestion is to do the best field underwriting you can, ask some preliminary questions. The more...

Tactics for Business Owners

Posted by DI and CI Team on Jul 4, 2015 in DI/CI
Key Person Do you have a person important to the revenue, sales, success of your business who may or may not be an owner, that if they were not able to work due to accident or illness, your business would be impacted? Key Person Replacement (KPR) insurance provides benefits to a business in the event...

Questions to Ask Individuals with Coverage from Employer

Posted by DI and CI Team on Jul 4, 2015 in DI/CI
What is the benefit? If you have a long term disability benefit available from your employer, congratulations! Do you know the percentage of income covered, 50% or 60%? Is there a maximum benefit that will be paid, is it $5,000 - $7,500 or some other number? Every group plan varies, it is best to...

Questions to Ask Individuals

Posted by DI and CI Team on Jul 4, 2015 in DI/CI
When you sit down with a client or prospect, you need to gauge their needs, comfort level, understanding of risk exposure and willingness to budget resources to protect the real need. Use these questions to start the conversation about disability insurance. How much is needed? You may think your...

Business Planning Services

Posted by DI and CI Team on Jul 4, 2015 in DI/CI
Small business owners…the ideal target market, day time activity, they have a need to protect the income for their family, to keep open the doors of their business, maintain revenue to pay the expenses of their business including employees' salaries and to eventually sell the business and retire happily...

Asking for an Appointment

Posted by DI and CI Team on Jul 4, 2015 in DI/CI
How do I ask for an appointment? You've got a prospective client you are trying to get an appointment with. Try these: Would you mind if we met for 30 minutes to discuss the potential impact to your family and other financial goals and dreams if you are not able to work for an extended period of...

Critical Illness / Cancer, Heart Attack, Stroke

Posted by DI and CI Team on Jul 3, 2015 in DI/CI
A sense of urgency may not be felt by your client when considering a long term disability. What about a specific medical event that may cause an immediate need for cash in their pocket. Use these resources to identify the basics of this protection, common health issues that create a claim, how common...

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