What You Don’t Know Should Scare You
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 [...]
Should Your Minor Child Be Your Beneficiary?
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 [...]
A Combination Group + Individual Disability Claim Case Study
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 [...]
