Author Archives: fastrackce

Long-Term Care Benefit Triggers

When LTC policies were introduced, insurers frequently required at least three days of prior hospitalization or skilled nursing home stays before the LTC policy benefits were “triggered.” Although most LTC policies require a physician’s certification that nursing home care is … Continue reading

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Life Insurance in Action

As a life insurance agent, you know that people have different characteristics, different situations, and different needs. Consequently, the type and amount of life insurance necessary to meet these different needs will vary, depending on the situation of the individual … Continue reading

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Why Purchase Property and Casualty Insurance?

Property insurance provides protection against most risks to property, such as fire, theft, and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. When people   finance a … Continue reading

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Who Needs Business Income Coverage?

Many business owners wonder whether they need business income coverage. The following scenario shows what can happen if your business property is damaged by wind, a fire, or other peril, and your business is forced to shut down.

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When Does Helping a Client Become Unethical?

It’s important to realize that what is unethical may not always be illegal (though sometimes it is both). There are many instances where businesses may act within the law, but their actions hurt society and are generally considered to be … Continue reading

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