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The Rough Notes Company Inc.

Benefits & Financial Services

    CRITICAL ILLNESS: GROWING AND EVOLVING

CRITICAL ILLNESS: GROWING AND EVOLVING

CRITICAL ILLNESS: GROWING AND EVOLVING Product’s growth is driven by employee financial needs and employer concern By Len Strazewski Heart attack, cancer, stroke and long-term degenerative diseases like Alzheimer’s and HIV infection are among the most expensive diseases to treat, and employees with high-deductible health plans (HDHP) may face an unexpected problem: They may not be able to afford their deductibles and co-pays when they have a need. Critical illness

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    IDENTITY THEFT PROTECTION

IDENTITY THEFT PROTECTION

IDENTITY THEFT PROTECTION An employee benefit that delivers peace of mind By Thomas A. McCoy, CLU As the voluntary benefits market matures, new products are being added to benefits menus covering risks that fall outside traditional boundaries of health and financial exposures. Identity theft is one such product, and it is proving popular enough that it is being offered on both a voluntary and employer-paid basis. According to a study

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MENTAL HEALTH IN THE WORKPLACE

Benefits Products & Services By Thomas A. McCoy, CLU MENTAL HEALTH IN THE WORKPLACE Unum research highlights the need and the challenges You would think that mental health in the workplace would be a front-burner discussion topic among business owners and HR professionals. Research by the National Association on Mental Illness indicates that mental health conditions are responsible for 62% of employees’ missed work days. Unfortunately, mental health is the

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    LIFE INSURANCE: STILL AN IMPORTANT VALUE

LIFE INSURANCE: STILL AN IMPORTANT VALUE

LIFE INSURANCE: STILL AN IMPORTANT VALUE While employee benefit needs change, life insurance remains crucial for financial portfolios By Len Strazewski The U. S. economy continues to grow, and employers are struggling to recruit and retain the best employees. But workers are a lot different than they used to be and the employee benefits that attract them are evolving rapidly. Riddled with huge amounts of debt from student loans, higher-than-ever

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    LIFE INSURANCE: AN UNDERUSED ARROW IN THE INDEPENDENT PRODUCER’S QUIVER

LIFE INSURANCE: AN UNDERUSED ARROW IN THE INDEPENDENT PRODUCER’S QUIVER

LIFE INSURANCE: AN UNDERUSED ARROW IN THE INDEPENDENT PRODUCER’S QUIVER Consumers have serious, long-term financial needs that your protection products could help them meet By Jack Calabrese Questions that have stumped the world’s greatest thinkers include: What is the meaning of life? Why do we exist? Another pressing, though less philosophical, question is, “How do you get property and casualty producers to consistently write life insurance on new and existing

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