It’s almost Halloween, and I’ve been thinking about some of the scary conversations I’ve had with employers over the last couple of months. One comes to mind right away. I had a compliance [...]
Individual life applicants and group life participants often want to name their minor children as primary or contingent beneficiaries for their policies. Over the years I’ve found myself [...]
There are several good reasons to combine group long term disability (LTD) insurance with supplemental individual disability insurance (IDI) plans: Group LTD plans don’t always provide enough [...]