Although death is not a particularly easy subject to discuss between agent and client, the topic at some point must be broached because, well, people don't live forever.

Too often a sale is lost because the salesperson blew it during the selling process.

Times are tough, and over the last couple of years Americans have decided to forego health care expenses in lieu of basic expenses and the costs to economically survive.

A year later, it appears that Chicken Little wasn’t far off the dime when it comes to the pending loss of benefits for the American worker come 2014.

Most people don't like the dentist because of the horror dental stories—a generalized perception of dental hygiene. In some cases, people just choose to ignore their debilitating toothaches just to avoid the dentist.

Times are not great, but people still have money and companies are still spending. For every business that is closing, 10 more are surviving. So, relax, focus and get smart about how to navigate the tough times. You may find you wind up doing even better than before.

Your clients should recognize that a healthy company is a profitable company. If their workers are chronically ill and taking time off due to sickness, the bottom line is sure to sufferespecially small companies.

Offering CDHC plan designs go a long way to increase business opportunities, not only with current clients but also with new customers.