Welcome to Truluma's Resource Center

Individual Disability (IDI)

IDI Articles

• The New York Times  |  Getting Sick Can Be Really Expensive, Even for the Insured

• Forbes  |  How to Protect your Most Important Asset with Disability Insurance

• Physicians News Digest  |  Doctors: Are You Insured Against Disability in Your Medical Specialty?

• CBS MoneyWatch  |  Should You Have Disability Insurance?

• WebMD  |  Leading Causes of Disability

• NASDAQ  |  How Much Disability Insurance Do You Need?

• Kiplinger’s  |  Why You Need Disability Coverage

• Barron’s  |  Why Some Millennials Need Disability Insurance

• Digital Journal  |  Individual Disability Insurance Policies are Valuable to Working Women

• CPA Practice Advisor  |  Understanding Long-Term Disability Benefits

• US News & World Report  |  Why You Probably Need More Disability Insurance

• CBS MoneyWatch  |  Insure Your Income Before Your Life

• Investing Daily  |  Covering the Overlooked Income Risk

• The Oregonian  |  Don’t Overlook Disability Insurance

• Smart Money  |  The Disability Dilemma

• The Wall Street Journal  |  Preparing for the Unexpected

• WebMD  |  Protecting Your Wallet From the Cost of Illness

IDI Videos

• Zurich  |  The Income Protection Gap

• The Standard  |  Have Your Clients Protected Their Lifestyle?

• Principal  |  Protecting Your Income

• Kiplinger’s  |  The Need for DI

• The Plus Group  |  Inadequacies of Group Long-Term DI

• Real Life Story  |  Tim Meredith: Careful Planning Saved a Family and A Business

• The Plus Group  |  Individual Disability Income

IDI Webinars

• The Plus Group  |  Four Strategies to Double Your Disability Insurance (DI) Production in 2016

• The Plus Group  |  How to Sell More Life Insurance by Selling DI

IDI Worksheets & Calculators

• Principal  |  The DI Calculator

• Worksheet  |  Income Protection Needs

Retirement Protection

Retirement Protection Articles

• Principal  |  INFOGRAPHIC: Protect Yourself, Today and Tomorrow

Retirement Protection Videos

• Seattle’s KING 5 NEWS  |  Protect Your Nest Egg

Key Person

Key Person Protection Articles

• Principal  |  How Key Person Replacement Insurance Works

Key Person Protection Worksheets & Calculators

• Mass Mutual  |  How Would the Loss of a Key Employee Affect My Business?

Business Overhead Expense

BOE Protection Articles

• The Insurance & Investment Journal  |  Neglecting BOE insurance can put small businesses at risk

BOE Protection Worksheets

• Worksheet  |  Business Overhead Expense

BOE Protection Videos

• The Plus Group  |  Business Overhead Expense

Buy-Out

Buy-Out Protection Articles

• Journal of Financial Service Professionals  |  Disability Buyout Considerations

Business Loan Protection

Business Loan Protection Articles

• Principal  |  INFOGRAPHIC: Who’s Going to Pay Your Loan?

LTC

LTC Articles

• NAIC  |  A Shopper’s Guide to Long-Term Care Insurance

• LIFE & Health Advisor  |  LTC Rate Increase Risks Greatly Diminished

• The Wall Street Journal  |  Mistakes to Avoid When Shopping for LTC Insurance

• Kiplinger’s Personal Finance  |  Long-Term Care You Can Afford

• The American Medical Association  |  2016 Report on U.S. Physicians’ Financial Preparedness©

• ThinkAdvisor  |  Boomers Underestimate LTC Cost, Life Expectancy

• Insured Retirement Institute  |   Don’t Let Your Child Inherit Your Nursing Home Bill

• ThinkAdvisor  |  15 Cheapest States for Long-Term Care: 2017

• Washington CPA  |   LTC Insurance: What to Consider Before You Buy

• Chicago Tribune  |  Long-Term Care: Think About it While You’re Young

• CNN  |  Caregiving for Loved Ones the ‘New Normal’ for Boomers

LTC Videos

• John Hancock  |  LTC: Get the Ball Rolling

Marketing Tools

• INFOGRAPHIC:  |  US Student Loan Debt by the Numbers

• Rosemarie Rossetti, PhD  |  Advising Clients About the Value of Disability Insurance

• INFOGRAPHIC:  |  The Best Times to Post on Social Media

• MetLife  |  Language to Drive Your DI Client Discussions 

• Forbes  |  Why Direct Mail Marketing is Far From Dead

• Assurity  |  Social Media Playbook

Business Tools

• The Verge  |  How to Use a Password Manager (and Why You Really Should)

Leadership Resources

• Simon Sinek  |  TED Talk: Start with Why

• Dave Kerpen  |  11 Simple Concepts to Become a Better Leader

Helpful Industry Websites

• www.disabilitycanhappen.org

Published by the Council for Disability Awareness (CDA) this site is designed to:
Expand public awareness of the growing likelihood of disability occurring among the working population; Increase public knowledge about the financial hardship that disability can have on wage earners and their families; Demonstrate the value of planning responsibly in the event disability prevents one from earning a living.

• Genworth Cost of Care website

Use this site to learn a state’s or region’s median cost of care by type of care.

2009-Present

Truluma Spotlight: AUTUMN 2019 – Alternative Funding Merits Alternative Protection, Underwriting Sleep Apnea, Using IDI to Protect Highly-Compensated Employees, Licensing Dos and Don’ts

Truluma Spotlight: SUMMER 2019 – When Being Wrong is Right, CBD and Underwriting, Unearned Income and DI Underwriting, Pets: How Income Allows Us to Give, Easier Underwriting for Med Residents, Retirement Contributions

Truluma Spotlight: SPRING 2019 – Doug Waters’ Story, Loyalty Collective Intro, Is Non-Can Value a Myth?, Unum and Truluma, A New Way to Buy DI

Truluma Spotlight: WINTER 2019 – 2018 Year in Review, e-Signatures, Carrier Bonus Programs, GSI

Truluma Spotlight: FALL 2018 – Our premier issue!  Marijuana Underwriting Guidelines, Lloyd’s of London, Football and Income Protection

Truluma News 2018 Q3 – Student Loan Repayment Riders

Truluma News 2018 Q2 – Medical Resident Season, The Inadequacies of Group LTD, Carrier Updates from Q1 2018

Truluma Newsletter 2018 Q1 – 2017 Year in Review

Truluma Newsletter 2017 Q4 – The Attorney Issue, Law Firms are a Great Market for Income Protection, Income Protection for Attorneys

Truluma Newsletter 2017 Q3 – Changing the DI Conversation, Planning Tips for Q3, Income Protection for Pilots

Truluma Newsletter 2017 Q2 – Keys to Successful Underwriting, Planning Tips for Q2, Common Medical Conditions that are Insurable

Truluma Newsletter 2017 Q1 – 2016 Year in Review

Truluma Newsletter 2016 Q4 – Pacific Advisors is now Truluma.  Behind the Name Change, Meet the Team

Truluma Newsletter 2016 Q3 –Marijuana Use Underwriting Guidelines, Genworth Launched New LTC Product Element, Planning Tips for Q3

Truluma Newsletter 2016 Q2 – Increase Your Sales With Modified Offers, Loss of License Insurance, GSI, Key Person, BOE and Buy-Sell With Lloyd’s, MutualCare Custom Solution LTC Buy-Up Option

Truluma Newsletter 2016 Q1 – 2015 Year in Review

Truluma Newsletter 2015 Q4 – Simplified Underwriting Limits Have Increased, E-Cigarettes: Not Just Smoke and Mirrors, Introduce Your Clients to LTC Insurance

Truluma Newsletter 2015 Q3 – Protecting Stock Options, Underwriting Prostate Cancer, John Hancock Performance LTC

Truluma Newsletter 2015 Q2 – Disability: The Forgotten Business Risk, Planning Tips for Second Quarter, Transamerica LTC: The Value of Step-Rated CBIO

Truluma Newsletter 2015 Q1 – 2014 Year in Review, Things to Look for in 2015

Truluma Newsletter 2014 Q4 – Mutual of Omaha LTC Sales Idea, Simplified Underwriting Programs, Is the Value of Non-Can a Myth?

Truluma Newsletter 2014 Q3 – Mutual of Omaha Accident Only DI, Business Loan Protection, New Transamerica LTC Product

Truluma Newsletter 2014 Q2 – DI Exclusion Riders Explained, Newly Self-Employed Summary, Spouse Security Benefit for LTC, Ben Towne Foundation

Truluma Newsletter 2014 Q1 – 2013 Year in Review

Truluma Newsletter 2013 Q4 – Changes in the LTC Marketplace, MetLife Introduces Industry Leading Simplified Underwriting Program, 2013 Report on Financial Preparedness of U.S. Physicians

Truluma Newsletter 2013 Q3 – Underwriting Osteoporosis, MetLife Launches Income Guard, A Change In Philosophy for LTC Underwriting

Truluma Newsletter 2013 Q2 – Express Standard Issue, The Standard Introduces Protector Essential, What Consumers Are Saying About LTCi

Truluma Newsletter 2013 Q1 – 2013 Bonus Program from John Hancock, Simplified Underwriting Programs by Carrier

Truluma Newsletter 2012 Q4 – Underwriting Testicular Cancer, DI Carrier Discount Breakdown, Q&A with PA’s New Business Coordinators

Truluma Newsletter 2012 Q3 –  IDI and the Military: FAQ, Licensing and Contracting Q&A with Jaymie Mayers, Time to Take Another Look: Choosing The Right Inflation Coverage for LTC policies

Truluma Newsletter 2012 Q2 – DIAM Preparation, LTC Sales Solutions and Tips, Manual Updates Lead to Improved Underwriting

Truluma Newsletter 2012 Q1 –  The Profile of a Typical LTCi Buyer, Overview of DI Income Documentation, The Real Cost of a Disability

Truluma Newsletter 2011 Q4 – Complete Blood Count, Attorneys – A Great Marketing Opportunity, Become a Long-Term Care Detective

Truluma Newsletter 2011 Q3 – Why Business Owners Offer LTC, Electronic Policy Delivery Is Here!, DI Retirement Security

Truluma Newsletter 2011 Q2 –  IDI Underwriting Insight – Knee Problems, The Impact of Restricted Stock Units on IDI, Federal Employee Disability Retirement Benefits

Truluma Newsletter 2011 Q1 – 2011 The Plus Group Audioconference Schedule, Executive Income Replacement and Life Insurance, CLASS Act Survey Findings, AMA and ABA Association Discounts

Truluma Newsletter 2010 Q4 – Assurity’s New DI Product Is More Competitive, Keys to Success: Worksite LTC, The Standard’s Protector Platinum Raises the Bar

Truluma Newsletter 2010 Q3 – Pacific Advisors Has a New Website, Underwriting Insights for Chiropractic History, LTC Evolution

Truluma Newsletter 2010 Q2 – Union Central’s DInamic Foundation, Health Reform and LTC: CLASS Provisions, The Standard Upgrades

Truluma Newsletter 2010 Q1 – 2010 The Plus Group Audioconference Schedule, Disability Insurance in 2009 and a Look Ahead, Long-Term Care in 2009 and a Look Ahead

Truluma Newsletter 2009 Q4 – Underwriting Osteoporosis, The Impact of a Disability, 2009 Small Business Survey on LTC

Truluma Newsletter 2009 Q3 – Where to Look for GSI Cases, John Hancock DRA Partnership Q&A, Non-Medical Disability/Life Insurance

Truluma Newsletter 2009 Q2 – Field Underwriting Saves Time and Effort, Key Person and Loan Redemption DI

Truluma Newsletter 2009 Q1 – Home-Based Workers Eligible for DI, Federal Tax Incentives for LTCi, What’s The Score?