Have you ever come across a guaranteed-issue key person DI plan? What about guaranteed-issue BOE coverage? GSI buy/sell insurance? While extremely uncommon and with limited scope in the traditional disability market, these programs do exist with high-limit, robust benefit structures. Encompassing the same incredible attributes and large multi-life premium discounts of more familiar guaranteed-issue group personal DI products, business insurance plans are great sales tools

Rates increases have become commonplace on traditional LTC policies; almost expected. You know you did the right thing by insuring your client against the risk of needing long-term care, but dread the rate increase conversation. We all do. Instead of just telling them to bite the bullet and pay the increase, be innovative. There is a way to allow them continued LTC coverage while reducing the impact of future rate increases. Create a hedge using a hybrid policy. Say your cl

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