Health Insurance

May 24, 2024HST

Making Disability Insurance Affordable

Presented on: Thursday, May 23, 2024

Michael Sato, CLTC®, LUTCF®, FSS, Brokerage Manager will delve into the realm of affordable Disability Insurance (DI), offering invaluable insights and strategies to make DI accessible to everyone.

Michael will discuss potential riders and explore DI for blue-collar workers. Discover how DI can provide substantial coverage, ensuring financial stability in the face of unforeseen circumstances, and the benefits of offering it to your clients.

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Individual Disability Income Protection

Issue Ages: 18 through 60, age last birthday as of issue date
Benefit Periods: 13-week, 26-week, 1-year, 2-year
Underwriting: No income verification. No medical exams.

*Assurity Product

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Assurity: StartSmart Program

Assurity’s 3-in-1 insurance plan offers Term Life Insurance with coverage for critical illness and disability insurance into one affordable bundle plan that appeals to millennials.

Term Periods: 10, 15, 20 and 30 years, depending on issue age
Benefit Amounts: $25,000 to $10 million
Underwriting: Accelerated underwriting and instant decision available for qualified applicants:
- Up to $1 million for ages 18-50
- up to $500,000 for ages 51-65

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More Product Information

Critical Illness Product Highlights

Assurity-IS_AccidentalDeathPlus_AgentHighlights_15-991-pdf

Accidental Death Insurance Plus Product Highlights

February 7, 2024HST

Case Study Insights: Mastering LTC Funding

Which long-term care funding solution is best for your client? Michael Sato, CLTC®, LUTCF®, FSS, will share case studies to guide you through the decision-making process. Join this webinar to better understand your choices in long-term care planning.

This webinar was recorded on February 6, 2024.

Who Should Attend:

Financial Advisors and Planners to gain insights into the best long-term care funding solutions to better advise your clients and enhance their financial security.
Insurance Agents to understand the intricacies of long-term care planning options to effectively tailor solutions for your clients’ specific needs and circumstances.
Caregivers and Families to learn about available choices in long-term care funding to make informed decisions for your loved ones’ future well-being and financial stability.

View the Webinar

Accompanying Materials

Speaker: Michael Sato, CLTC®, LUTCF®, FSS

With a proven track record in the industry and a wealth of knowledge in long-term care insurance sales, Michael Sato is an esteemed expert who understands the nuances of the market. His guidance will equip you with the tools needed to stay ahead of the competition and secure long-term success for yourself and your clients.

August 28, 2023HST

NationwidePresents : “Land as Your Legacy” Program (Agricultural Workers)

Join Chris Chertboonmuang, RVP and Timothy Kohl, RVP with Nationwide as they present a special program to help various stakeholders in the agricultural industry (produce delivery, farmers, local produce companies, and more) to both plan for their future and receive underwriting concessions.

Nationwide’s Land As Your Legacy® Program (LAYL) is specifically tailored for agricultural workers, including those involved in food distribution, fishing, and chocolate growing, aims to provide flexible underwriting benefits and support to this vital sector.

The Land As Your Legacy® program, reduces barriers to life insurance. Individuals must disclose tobacco use (chew, snuff, cigars) for the potential non-tobacco rating. Enjoy flexible build rates and a possible 50-credit rating upgrade on build or BMI. APS is only based on age and insurance amount.

View the Webinar Recording

Land As Your Legacy®

Discover the benefits of Nationwide’s program for agricultural workers including food distribution, fishing, and chocolate growing. Get flexible underwriting with the Land As Your Legacy® program.

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August 21, 2023HST

Life Insurance Riders for the Living

In this informative webinar, we will delve into the versatility of life insurance riders, showcasing how they offer added coverage within a single policy. We’ll explore the benefits and important factors to consider when utilizing riders such as Long-Term Care, Chronic Illness, Critical Illness, and more. Join us to discover the extensive range of living benefits that can greatly benefit your clients.

Who Should Attend:

Insurance advisors aiming to enhance their sales skills by leveraging versatile life insurance riders.
Professionals seeking to strengthen client relationships by offering comprehensive and personalized solutions.
Anyone interested in staying informed about the latest industry updates and trends in life insurance riders and living benefits.

View the Webinar

Accompanying Materials

Speaker: Michael Sato, CLTC®, LUTCF®, FSS

With a proven track record in the industry and a wealth of knowledge in life insurance sales, Michael Sato is an esteemed expert who understands the nuances of the market. His guidance will equip you with the tools needed to stay ahead of the competition and secure long-term success for yourself and your clients.

June 30, 2023HST

Nationwide: “Land as Your Legacy” & CareMatters Together Launch

We had the privilege of bringing in Nationwide’s Chris Chertboonmuang, Regional Vice President, and Julie Odovch, Regional CareMatters Wholesaler. The event was centered around their revolutionary CareMatters Together product, showcasing its exceptional strength as a cash indemnity long-term care product for couples!

Download the Nationwide Materials

Land As Your Legacy®

Discover the benefits of Nationwide’s program for agricultural workers including food distribution, fishing, and chocolate growing. Get flexible underwriting with the Land As Your Legacy® program.

Learn More

CareMatters Together

Find out what makes CareMatters Together a potential solution for couples’ LTC protection needs.

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June 6, 2023HST

Nationwide’s Mythbusters: Long-Term Care Insurance

Tuesday, June 6, 2023 at 11:00 am

Online via ZOOM

Join us for an exclusive Nationwide Update meeting with Chris Chertboonmuang, Regional Vice President.

Chris will do a comprehensive overview of CareMatters II, play an insightful “Mythbusters: LTC Edition” to debunk common misconceptions and outdated beliefs about LTC insurance, and discuss linked benefits (LTC vs. life + LTC riders vs. CI riders).

Nationwide materials from this webinar:

May 18, 2023HST

Disability Insurance Awareness Month with MassMutual

Disability Insurance Awareness Month with MassMutual
Thursday, May 18, 2023 at 11:00 am
Online via Zoom

Join Erika Adkins, Managing Director Disability Insurance with MassMutual, to discuss how we can help you sell more disability insurance. We’ll be talking about how you can work with your business owner clients to protect their business, utilize discounts to sell to medical residents and limit underwriting hassles with Express Underwriting. We’ll also go over Hawaii TDI and providing guaranteed issue executive carve-outs to certain business occ classes.

Resources from this webinar:

March 6, 2023HST

Modern Sales Strategies for Millennials by Assurity

“Modern Sales Strategies for Millennials” by Assurity
March 2, 2023, at 9:30 am

Join us as we introduce Assurity Life’s Lorraine Jessich and David Everly. They’ll discuss StartSmart, Assurity’s 3-in-1 affordable coverage solution that protects life, health, and income. With StartSmart, there’s no medical exam, meaning a quick turnaround for your clients. Plus, gain tips on how to effectively target the largest living adult generation.