Tools to Help

Welcome to Truluma's Resource Center

See categories below for industry tools, resources, and continued education


Documents, Articles, Videos, and Tools for your Income Protection Library

Individual Disability (IDI)

IDI Articles

IDI Videos

IDI Webinars

IDI Worksheets & Calculators

Retirement Protection

Retirement Protection Articles

Retirement Protection Videos

Key Person

Key Person Protection Articles

Key Person Protection Worksheets & Calculators

Business Overhead Expense

BOE Protection Articles

BOE Protection Worksheets

BOE Protection Videos


Buy-Out Protection Articles

Business Loan Protection

Business Loan Protection Articles


Documents, Articles, Videos, and Tools for your LTC Library


LTC Articles

LTC Videos


Ideas, Tools, and Inspiration for Daily Business Life

Marketing Tools

Business Tools

Leadership Resources

Helpful Industry Websites

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.

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



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 Q3Student Loan Repayment Riders
Truluma News 2018 Q2Medical Resident Season, The Inadequacies of Group LTD, Carrier Updates from Q1 2018
Truluma Newsletter 2018 Q12017 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 Q3Changing the DI Conversation, Planning Tips for Q3, Income Protection for Pilots
Truluma Newsletter 2017 Q2Keys 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 Q3Marijuana 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?