News Category: 2010 News

Author: Frank N Darras In the zeal to close that health or life insurance deal, producers must not forget that they have a duty to perform due diligence when completing the applications, discussing the policy exclusions and limitations, and replacing policies. Two terms you should become familiar with and avoid are rescission and twisting. So […]

Author: Frank N Darras There’s no doubt about it: Americans as a whole are getting older. Along with this rapid aging comes an increased awareness of and need for long term care insurance. However, before you jump on the long term care bandwagon, you should be prepared. LTCI is heavily regulated, and you have a […]

Author: Frank N Darras It should come as no surprise that America’s population is aging — 40 million Americans are currently 65 or older, and by 2020, that number will exceed 53 million. By 2030, one in every five people will be older than 65. To date, more than 9 million Americans have purchased long […]

Author: Frank N Darras Whether your client is an individual, a family of five, or a company of 700, the rising costs of medical insurance impacts them all. How is the average American supposed to afford today’s astronomical increases in insurance rates? What was once assumed to be standard in any company’s benefits package is […]

Author: Jeffrey Steele CTW Features It’s a sad statistical fact that as a proud owner drives a new car off the dealer lot, the vehicle depreciates instantly. Here’s more sobering news: the amount owed on the car is based on the price the driver paid for the vehicle. So if the vehicle were to be […]

Author: Tim Grant Pittsburgh Post-Gazette Most people are inclined to buy insurance for things they value the most, such as their homes and cars. But they often do not consider insurance to protect their greatest asset – the ability to work and earn an income. More than 100 million workers in the United States are […]

Author: Buz Livingston, CFP Leading up to the first debate for the Democratic nomination, front-runners Barack Obama and Hillary Clinton found some common ground. They joined together to request that the Government Accountability Office conduct a study on the long-term care (LTC) industry. But let’s not be too naive. If you’re digging for votes, there’s […]

Author: Frank N Darras Ontario, Calif., March 30, 2010 – You’re on the sunny shores of Aruba enjoying your dream vacation. Suddenly, you have excruciating pain in your abdomen. You’re rushed to the local hospital where they run tests and diagnose you with appendicitis. You are taken to surgery to have your appendix removed. “Will […]

Ontario, Calif., — March 16, 2010 — “Asking if your dog is covered under your homeowners insurance policy may be a strange question to ask, but according to the Journal of American Medical Association, the number of dog bites in America now tops 4.5 million per year,” says Frank N. Darras, America’s top insurance lawyer. […]

Author: Frank Darras Is now the time to expand your career and start selling long term care insurance? With the implementation of health care reform, Americans will have to consider the recent monumental changes whether they like it or not. Maybe it’s time, then, to review your portfolio and offerings for clients in this new […]