Life Insurance Basics – Post 2 – Term Life Insurance
Straightforward Protection When You Need It Most In our first post, we introduced the two basic categories of life insurance: term and permanent. This post takes a closer look at term life insurance which is by far the most common starting point for families, executives, physicians and business owners who need meaningful coverage without a…
Disability Insurance Deep Dive – Post 2 – The Group LTD Gap and How to Close
In the first post of this series, we mapped the layers of income protection and noted a quiet problem: the higher your income, the smaller the share of it your group long-term disability (LTD) plan actually protects. This post takes that problem apart piece by piece explaining where the gap comes from, how large it…
Life Insurance Basics – Post 1 – Life Insurance Basics
Life insurance is one of the most widely owned financial products in the country, yet it’s also one of the most misunderstood. According to the 2026 Insurance Barometer Study from LIMRA and Life Happens, just over half of Americans own a life insurance policy, and nearly 100 million adults are either uninsured or believe their…
Disability Insurance Deep Dive – Post 1 – Income Protection Types
The Building Blocks of Income Protection Most people insure the things their income pays for; the house, the cars, their health while leaving the income itself uninsured. Yet your ability to earn a paycheck is very likely the most valuable asset you own. A 40-year-old earning $200,000 who works another 25 years will earn $5…
Could Permanent Life Insurance Round Out Your Retirement Plan?
A closer look at how cash-value life insurance may complement a 401(k) or IRA and where it fits among other tax-advantaged savings tools. Most retirement conversations start and end with the 401(k) or IRA. Those accounts matter, but they aren’t the whole picture. Where your retirement dollars sit from a tax perspective can matter just as much…
The income protection gap: what physicians often miss about group disability coverage
STRATEGIC EXECUTIVE BENEFIT PLANS • • Educational – not a solicitation for a specific policy Original illustration by Professional Benefits Incorporated. A group long-term disability benefit is often capped well below full income, leaving a monthly gap. Why can group LTD leave physicians underinsured? Group long-term disability insurance can leave physicians underinsured because benefits are…
Five Generations, One Benefits Plan? Not Quite
A single medical plan and a generic retirement match used to be enough. With up to five generations now working side by side, employers who treat benefits as one-size-fits-all are quietly losing ground. Traditionalists, Baby Boomers, Gen X, Millennials, and Gen Z are now working under one roof — and one benefits plan rarely fits…