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  • Best Co. for Individual Cancer and Ind. Disability Insurance
    Two of the companies we represent no longer offer individual cancer or individual disability insurance. Recommendations are appreciated!! TKs!!...
  • Any FIA that Waive Surrender Charges Upon Disability?
    I know Assurity waives surrender charges if the annuity owner becomes disabled, but it's "just a fixed annuity" and kinda boring, especially in today's interest rate environment. Does anyone else? Specifically for a Fixed Indexed Annuity? ---------- Looks like American National has a few....
  • Disability Insurance in California
    I am new agent for disability insurance in California , my client wants future benefit increase rider , but elimination period my client wants should be 30 days or 60 . My client is interested in long term disability , so which company I should consider can somebody help me ....
  • Dental, Disability, Final Expense Leads
    What are the best leads to run and why? Also, which lead postcards are not misleading. Some of the leads I received...I remember getting to their home and I had to explain that I was not from the IRS or any government agency....
  • Short Term Disability
    What companies in Mich. offer a stand alone policy for individuals and companies?...
  • Who is Best for White Collar Disability Coverage?
    Male, 42, somewhat healthy, but overweight, on bp meds. He is in sales and is looking for the lowest rate for 2 years of disability coverage until age 65. Who is the best and cheapest?...
  • Draft Date(s)
    I have been running into folks who get their SS or Disability direct deposited on the 3rd wednesday of the month. What's the best day of the month to draft for someone who get's their money on that timeline ?...
  • Medicare Disability for 93 Months After Getting Job?
    So I have a prospect that is 60 years old and has Medicare disability and Medicaid. He recently got a job, and will be losing Medicaid (so now he has to pay the $104/mo), but also got a letter from CMS saying that if he continues to work, he will lose his Medicare disability after 93 months. My reaction naturally was :err: He obviously has nothing to worry about because in less than 93......