Employee Benefits

As the population ages, costs of Medicare, Medicaid and Social Security will continue to put stress on state and federal budgets.

As your clients approach age 65, make sure you address their health insurance exposures to help them avoid potential coverage gaps and penalties if they miss the initial Medicare enrollment period.

Most people believe the U.S. economy is struggling. That doesn’t have to be the case for your clients.

More than 43 million Americans have student loan debt. For those who borrowed from private lenders, untimely death could mean serious trouble for co-signers and spouses—unless they have life insurance.

In addition to a death benefit, PHL Variable Insurance Company has built living benefits with critical, chronic and terminal illness accelerated riders into the Safe Harbor Term Life product for no additional premium.

Starting with the words “Affordable Care Act,” the life-health insurance marketplace has never been the same. Make sure your agency positions itself to take advantage of three trends shaping the market.

Six leading long-term care insurance companies recorded an increase in policy sales in 2015 compared to the previous year. But overall sales declined, and have for the past few years.

Public panic can put a hospital’s balance sheet on the critical list when patients stop coming. In response, AXIS Healthcare now offers what it calls the industry’s first business interruption and extra expense coverage for the risk of financial loss to a

As people enter different stages of their lives, independent agents should be poised to highlight how life insurance should play a role. Keep these various life events in mind when selling supplemental life insurance policies to your clients.

Recent reports indicate that expenses are increasing for young people. Independent insurance agents can be the objective third party that explains the ways of the world both in person and on their websites.