A common question I get from women at open enrollment time is if pregnancy is a pre-existing condition for short term disability. Usually, this question comes from women who are already pregnant and who aren’t currently enrolled in the STD plan. So in this article, I’m going to talk about how pregnancy is treated under […]
Don’t Throw Away Your Benefits Confirmation Statement
Each enrollment period, you should receive a benefits confirmation statement. This statement confirms what benefits you selected for the upcoming enrollment year. In this article, I’ll talk about why you want to make sure you get one each year. Plus, you’ll want to keep each and every confirmation you receive for as long as you […]
How to Find Prospects for Life Insurance Clients
The most important skill you’ll need to build your life insurance agency from scratch is to find the best way to prospect for life insurance clients. Unfortunately, in the life insurance business, it’s not what you know that matters. It’s marketing that knowledge to the people who need it that does. That marketing is called […]
Is It Better to Be a Captive or Independent Insurance Agent?
As you start your insurance career, one of the questions you will eventually ask is whether it’s better to be captive or independent insurance agent. In this article, I’m going to talk about the differences between these two types of agents. I’ve been both a captive and independent agent and so I’ll give you my […]
Errors and Omissions Insurance for Life Insurance Agents
Once you get your insurance license, the next step is to purchase errors and omissions insurance for life insurance agents. It’s also sometimes called E&O insurance. In this article, I’m going to talk about why you need to have E&O, how much you need to get as well as where you can get it and […]
How to Get Your Life and Health Insurance License
To begin your career as a insurance agent, you have to get an insurance license. This license allows you to sell insurance and receive commission from the insurance companies you represent. In this article, I’m going to walk you through the steps you need to take to get your life and health insurance license as […]
How to Build a Successful Life Insurance Agency from Scratch
In this article, I want to share with you how you can start and build a successful life insurance agency from scratch. Building an ordinary life insurance agency is a lost art. There are fewer agents serving fewer people who need life insurance. Building an agency is both something that is tougher and easier to […]
8 Type 1 Diabetes Blood Sugar Monitoring and Adjustment Tips
A few years back, my son was diagnosed with type 1 diabetes. During that time I’ve learned a lot about type 1 diabetes blood sugar monitoring and adjustment. I thought I would share a few tips that might help either you if you have type 1 or for your children if you are parents of […]
Ditch the Payroll Deduction for Premium Direct Deposit
In order to offer voluntary benefits, the employer you work with has to collect the employee’s premiums through payroll deduction. However, while some employers might not have a problem with you seeing their employees, they might not want to do the payroll deduction for you. In those cases, you could collect the premiums through premium […]
17 Step Roadmap to Cut Your College Costs Big Time
In this article, I’m going to give you a complete 17 step roadmap to cut your college costs big time. When I say “big time”, I mean it’s possible to save as much as one year or more on college costs. While this roadmap is designed for kids in high school who are preparing to […]
