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We Are Your Buffer System

Buffer. Have you ever tried to watch a video that wouldn't load? How about a movie? Yes? Then you know the feeling of […]

Obviously We Downloaded Genworth's New App

I did a highly Millennial thing and downloaded Genworth's new app. […]

Confessions of an Idealistic Insurance Advisor

We try to help everyone. We really do. As a General Agent in the Disability and LTC market, we process hundreds of apps per year, and we are acutely aware of […]

Livelihood Insurance

Livelihood. That's the word we've been missing--from our conversations, from our marketing material. The painful phrase "Disability Insurance" is a double-whammy. Who wants to talk about […]

Our First Principles

I recently heard on a podcast that it's bad business if you don't have your company's first principles committed not just to memory, but on your heart. It made me think about […]

You Can't Spend What You Don't Earn

I had the pleasure of seeing one of my all-time favorite brokers speak at a recent association meeting. He graciously imparted the following reminder […]

Purple Cow, Meet Orange Dog:
On Being Remarkable

“Purple Cow: Transform Your Business by Being Remarkable” by Seth Goden is considered to be required reading for marketing professionals. Traditional marketing principles have […]

Great Work, Higher Purpose

A reminder that you are doing great work with a higher purpose. I was just thinking about the attack on nonprofit overhead spending […]

LTC Rate Increases Are on the Rise

CA is seeing increases under 50%, often spread over a few years. Rates for new business have increased approximately 130% in the last 10 […]

Income Protection for Life

We added the tagline “Income Protection for Life” after we introduced long-term care insurance to our portfolio in 1991. Our DI products protect […]

The 0-Day LTC Elimination Period: 90-Day Certification Required

What’s the best way to help your clients should they ever become chronically ill and file claims? Helping them understand the […]

4 Key Points to Talk Disability with Business Owners in 2017

There are some people out there who love to work, and there are others who live to work. If you are reading […]