Category Archives: Life Insurance

Submitting a Clean Application

What is the best way to fill out a life insurance application?  Taking time to review and answer every question in full is the best way to ensure an application is completed correctly. Filling out a life insurance application can seem like a daunting process for agents and advisors. Ticket or full application? Paper or electronic […]

What are Risk Assessments? – Part 2

How Can Risk Assessments Help Get Better Offers?  Utilizing the Risk Assessment methods below will help ensure a given client’s application will get the attention it deserves from carriers who look more favorably upon a given client’s situation. The Risk Assessment methods EMG uses are Quick Quotes and Informal Applications. Each has its strengths and weaknesses, and each works better for different situations. Producers should keep in mind that […]

What are Risk Assessments? – Part 1

Today’s underwriting landscape is radically different from decades past. Once upon a time, an insured could receive substandard ratings for conditions now considered mild, such as high blood pressure or high cholesterol. Thankfully, those days are well in the past, and these conditions are now faint blips on an underwriter’s radar. Medicine has made massive […]

How Can a Property and Casualty Agent Improve Client Retention and Increase Revenue?

Diversifying the product lines sold to current clients can generally be a faster and less expensive way to increase revenue than finding new clients. Policyholders already know you; they just do not know all that you offer. The added benefit of doing this deepens relationships with those customers already doing business with the agency.     Offering […]

Is Long-Term Care Insurance Tax Deductible?

The short answer is that it depends. Technically, yes, premiums paid into a qualified traditional stand-alone long-term care insurance policy are deemed tax-deductible. However, that can depend on several factors. The premium payments for Long-Term Care Insurance are tax-deductible to the extent that they, along with any other unreimbursed medical expenses, exceed a certain percentage of the […]