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  • Help Us Help You: The Art Of The Cover Letter April 3, 2020
    The best way to avoid the delays, confusion and possible declines that might come from ruptures in the convoluted lines of communications is a cover letter submitted with the case.
    Tom Virkler
  • Myth: Long-Term Care Is Just For Nursing Homes April 2, 2020
    Now LTC Insurance is a comprehensive product that helps cover the cost of a variety services.
    LTC Sales
  • DI Limits Increased To $25,000 Monthly Benefit With No Exam! April 1, 2020
    Effective immediately, the Individual Disability Insurance (IDI) Underwriting Department at Principal® is changing underwriting guidelines for exams and labs.
    Thomas Nicols
  • Trusts In A Nutshell March 31, 2020
    Trusts were used long before Wills!  They are still so important today that every insurance advisor should be skilled in a few definitions.
    Tom Virkler
  • Are You Missing Sales Opportunities With Your Existing Clients? March 30, 2020
    There are a number of events that can trigger a need for additional Life Insurance such as the purchase of a home, the birth of a family member, a marriage or divorce and even a promotion at the office.
    CPS Insurance Services
  • Look Outside The Box To Save A Case March 27, 2020
    An Underwriting success story about how a postponed case was turned around.
    CPS Insurance Services
  • Starting The LTC Conversation March 26, 2020
    Your main goal should be asking the right questions. Many producers make the mistake of showing an illustration too soon - the premium then becomes the problem instead of the solution. You must first develop the need.
    LTC Sales
  • Principal Announces Temporary DI Underwriting Guideline Changes In Response To COVID-19 March 25, 2020
    Effective immediately, the Individual Disability Insurance (IDI) Underwriting Department at Principal® is changing underwriting guidelines for exams and labs.
    Thomas Nicols
  • Solving A Major “Minor” Problem March 24, 2020
    Minors are not legally competent (as in not allowed under the law) to own a policy or take possession of the death benefit, so... the easiest solution is to always use a state’s Uniform Transfer to Minors Act (UTMA) when drafting a beneficiary designation for a minor child.
    Tom Virkler
  • 6 Core Needs Of Business Clients – And How We Can Help March 23, 2020
    A sales associate will work with you to provide business case expertise and top-notch service before, during and after the sale!
    CPS Insurance Services