The average total cost of unplanned absences is 6 percent of payroll. The average cost of extended absences is 3.2 percent of payroll. The average number of unplanned absences is 5.3 days per year. Source: Mercer

As the current economy continues to affect consumer spending, critical illness policies are being considered in a new light, providing new opportunities for brokers. Among Americans, heightened awareness of financial vulnerability makes a

Holidays -- or any day off, really -- always seem to offer a mixed blessing. Sure, it's always nice to have an extra day away from the stress of deadlines and the eternal spring of e-mails, but it always feels like you pay for it

Can you relate to this? You're looking across your desk into the face of a couple who would be perfect clients for you. You know ...