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The Rough Notes Company Inc.

Benefits Lead

    ACCIDENT INSURANCE GAINS MOMENTUM

ACCIDENT INSURANCE GAINS MOMENTUM

ACCIDENT INSURANCE GAINS MOMENTUM Carriers upgrade products to serve a widespread need By Thomas A. McCoy, CLU Voluntary insurance executives are bullish on accident insurance, and their companies are backing them up by introducing new accident product enhancements. It’s free enterprise at its best—a sales opportunity breeding competition, creating more choices and product upgrades, and better ways to serve customers. “The accident market is seeing more policies that provide greater

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    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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    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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    FOCUS ON ACCIDENT INSURANCE

FOCUS ON ACCIDENT INSURANCE

FOCUS ON ACCIDENT INSURANCE The name may be the same, but benefits have changed By Len Strazewski It always came with the package. Accidental death and dismemberment (AD&D) insurance, usually underwritten by life insurers that provide term life insurance benefits, has long been a standard component of employee benefit plans. Paid by employers, the coverage wasn’t very expensive because the fixed schedule of benefits covered only death and very serious

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