How does anyone else deal with the need for health and disability insurance for our investment clients?  Recently in reviews I have broached the topic of HSA accounts both personal and group for small business.  I can also see that some of my clients need to consider disability insurance and business overhead coverage. 

I am the first to say I know just enough to be dangerous in this area.  Licensed but really not compentent to sell.  In addition, these types of products are pretty much labor intensive with a lot of clerical maitenance needs.  I want to refer to a qualified health/life agent but have had some bad experiences in the past, having referred to a guy for health insurance and then finding that he was pitiching annuities to my clients and telling them that the investments they had were not safe...WTF!!!

So what to do?   Do I have to learn to do this type of business myself?  (Please say no) How can I get my clients covered and protect my own butt at the same time?