What happens when a client receives flat extra?
What happens when your client receives a flat extra on a life insurance policy? Most of the time when an insured receives an unfavorable offer, it is in the form of a table rating. This is a permanent rating on the policy and can cause...
Are you a P&C agent who’s worried about offering life insurance?
You're not alone. Many P&C agents are hesitant to offer life insurance because they don't feel like they have enough expertise, don't have enough time, or are afraid that a poor life insurance experience could cause them to lose their client....
LTC-360: Exploring Existing Funding Options for Long Term Care
Long term care (LTC) can be a costly expense, and many people are not prepared for it. Depending on where your clients live, the cost of a private room in a nursing home is over $12,000 per month. There are several funding options available for...
Individual Life Insurance as an Employee Benefit
As an employee benefits agent, you know that offering a competitive benefits package is essential for attracting and retaining top talent. But with so many different benefits to choose from, it can be tough to know where to start. One benefit that...
How to start the conversation about Long Term Care planning
Talking with your clients about the need to plan for long-term care is a critical conversation about their future, yet it’s not always easy getting people to open up about this potentially sensitive subject. Did you know that the percentage of...
Income Replacement Insurance: A Must-Have for Protecting Your Clients’ Monthly Mortgage Costs
As an insurance agent, you know that your clients' financial security is important to them. One of the biggest financial concerns for many people is their monthly mortgage payments. If a client were to become disabled or unable to work, their...
CareMatters Together – a new Joint Hybrid Indemnity LTC contract
Nationwide has been a staple of the LTC industry for nearly 25 years and their CareMatters Hybrid product has had great success helping clients plan and protect themselves from a long term health care event. Recently Nationwide has introduced an...
A CSR’s Guide to Life insurance referrals
Customer service representatives play a crucial role in building strong relationships with clients. While their primary focus is on addressing inquiries and providing exceptional service, they also have a unique opportunity to identify potential...
Unlocking Financial Security: The Importance of Discussing Long-Term Care Planning with your Clients
As an insurance agent, your role extends beyond providing coverage for your clients' immediate needs. It's essential to address their long-term financial well-being, and a critical aspect of this is discussing long-term care planning. By engaging...
Unlocking the Power of Fixed MYG Annuities
Introduction: As insurance agents, you're constantly searching for products that offer security, growth potential, and peace of mind for your clients. With the new improved interest rate environment…Enter Fixed Multi-Year Guarantee (MYG) annuities,...




