April 23, 2014

freedom.evening.As more and more of the dust settles in the healthcare reform era it becomes easier to pick out trends and changes in the insurance market. An article from Benefitspro recaps a study done on some of these emerging trends and, as it turns out, a growing number of brokers are selling voluntary benefits in the changing insurance world.

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April 17, 2014
By Tammy Fisher, Director of Product Management for Life and Disability

tourism binocularsPeople buy life insurance for the security of knowing that they’re financially protecting themselves and their families. They want to know that, if something bad happens, the years and years spent paying for their life insurance will result in protection for their loved ones. But not everyone is an insurance expert and sometimes a lack of understanding or information leads to unfortunate insurance decisions and mishaps. One of the most common areas where people get themselves into trouble is not making sure their universal life insurance policy lasts to maturity. Continue reading

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April 11, 2014

retirement Coin box pink pig and handMore and more people are beginning to realize the importance of protecting their futures with life insurance and there is no demographic where this is more conspicuous than with Millennials (age 25-34). But, while interest in life insurance products seems to be on the rise, there is still a gap in understanding the cost of insurance. A new LIMRA study dug in to figure out why so many young Americans are more anxious about their financial future than older Americans.

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April 9, 2014

payslipThe South Dakota Department of Insurance has issued a procedural update providing guidance and clarification regarding unfair claim settlement practices.

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April 2, 2014
By Dan Johnson, Vice President, Sales and Marketing

coupleThese days it seems like there is an insurance product for just about everything. You can insure your pets, insure against floods and earthquakes and there is even insurance for alien abductions. While some of these more exotic products aren’t exactly the norm, there is a major item in need of protection which can be overlooked: a person’s income.

Income is an individual’s most valuable asset. Income funds retirement, it pays the mortgage or rent and it provides for a person and his or her family’s daily needs. Whether during retirement or during working years, it’s important to protect income in multiple different ways. And, seeing as today is National Employee Benefits Day, it’s a great time to look at how voluntary benefits fit into the picture.

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Posted in Disability insurance, General | Leave a comment

March 20, 2014
By Dan Johnson, Vice President, Sales and Marketing

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The United States Department of Labor has made it their goal to audit all employee benefit plans by the end of 2015. While, many in the industry think it may be too large of a task for them to accomplish, it’s still important for employers to be ready, especially with all the changes due to healthcare reform. Non-compliance with Department of Labor standards means fines, and fines mean unhappy employers.

Employers need to be sure to take all the necessary steps to be compliant and the one-on-one enrollment process used for voluntary benefits can help. At the employee’s one-on-one enrolment session a personalized message can be presented on a range of subjects including healthcare reform compliance.

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Posted in Compliance, Healthcare Reform, Sales, Service | Leave a comment