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Dave’s DI Dispatch: Vol. 47

May is Disability Insurance Awareness Month How Does Disability Insurance Actually Work? “Disability insurance provides critical financial protection that is very different from other insurance products. Millions of working Americans don’t have it, and many don’t fully understand what it protects. A 2017 report from LIMRA revealed that 65% of respondents thought that most people need disability insurance. Yet only 48% thought […]

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Dave’s DI Dispatch: Vol. 43

If You Have Bills, You Need Disability Insurance If you’re like most Americans, you don’t have enough savings to cover three months of living expenses. Nearly half of consumers today say they can’t pay an unexpected $400 bill without having to take out a loan or sell something. This is where salary protection insurance comes […]

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BKA Digest April 26, 2018

NEW CHANGES TO ESTATE TAX EXEMPTIONS CAN THREATEN YOUR WILLS AND TRUSTS This year, the federal estate tax exemption jumped to $11.2M. And recently, the Maryland legislature increased the Maryland estate tax exemption to $5.0M (effective in 2019). So, with these increased tax exemptions, do you still need to take estate taxes into consideration in your […]

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Dave’s DI Dispatch: Vol. 42

The Key To Making Prospects Into Clients According to the April 2018 Broker World article, life insurance recommendations will come before that of disability income insurance. There are countless reasons to advise clients to buy life insurance, including accumulation, estate planning, income replacement…just to name a few. When discussing life insurance with clients who are either single with no children or married with dual incomes and without children, […]

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