In this episode, Max and Emma run through the top six mistakes they've seen advisors make when having the disability income or long-term care insurance conversation with their clients -- and how to turn each mistake into an opportunity.

For the last episode in our series that covers our eBook, Planting the Seed: 20 Ways to Preserve Your Yetworth, we're splitting things up into two parts. In this second part, we dive into our specialties: long-term care insurance, disability insurance, and critical illness coverage. Learn how these policies can help your clients!

For the last episode in our series that covers our eBook, Planting the Seed: 20 Ways to Preserve Your Yetworth, we're splitting things up into two parts. In this first part, learn how annuities and life insurance can help someone through a disability event, and find out where these products can come up short.

Are you familiar with your clients' employee benefits options? We're not just talking worker's comp (although we do recognize its place) -- we're talking income replacement for illnesses (and long-term injuries) that happen off-the-job. Like, in real life. Are your clients *really* covered? Find out their options in this podcast episode.

PSA: Only 22% of initial Social Security Disability Insurance claims are approved! That’s essentially a 78% denial rate off the bat!

In this episode, get the facts about government DI benefits. Find out the importance of contextualizing the total maximum benefit which, in the private marketplace, can be millions of dollars (vs. around $75,000 maximum for California’s state disability potential – both programs cost 1-2% of your income!).  Get more bang for your buck by looking at the big picture, plus, hear a brief discussion on the concept of universal basic income.

What are your income stream options if you can't work anymore due to a disabling illness or injury? Max and Emma continue the episode on self-funding your way through a disability by running through the topics of business equity, legal settlements, and the ever-present crowdfunding mechanisms. This is part two of the self-funding section in our new ebook, Planting the Seed: 20 Ways to Preserve Your Yetworth.

What are your income stream options if you can't work anymore due to a disabling illness or injury? Max and Emma discuss the possibility and consequences of pulling from emergency savings and retirement savings, as well as the implications (and restrictions!) of using credit card debt and home equity. This is part one of the self-funding section in our new ebook, Planting the Seed: 20 Ways to Preserve Your Yetworth.

In this episode, Emma and Max talk about the launch of their ebook!

Planting the Seed: 20 Ways to Preserve Your Yetworth® walks through 20 income replacement options for funding lifestyles and livelihoods when a person who relies on a steady income can't work anymore.

Get the scoop on how the ebook was conceptualized and a brief intro to what you'll learn. Download for free at www.yetworth.com/ebook !

How much long-term care insurance should I quote? How much LTC do I need? What if my client is slated to have a lot of money in retirement - do they still need LTCi? In this quick episode, Max and Emma reveal the LTCi premium sweet spot for most people. Also, learn how long-term care insurance coverage differs from property and casualty insurance in that it's not meant to actually insure everything.

Most new inventions develop out of necessity. Years ago, Maxwell Schmitz, our Yetworth Podcast cohost, came up with the idea for a faster and easier disability insurance application process. Good things take time -- and that mostly-baked idea of his is now a full-blown entity of its own. Learn about Dingo Technologies and how it completely streamlines the way people can apply for disability insurance. Curious? See for yourself at www.dingoinsurance.com.