Gregory Draper, Insurance Agent

06/18/2026

COMPLETE INCOME PROTECTION IS ESSENTIAL FOR EVERYONE!

Disability insurers today often hesitate to fully insure their clients, especially those with high incomes. Historically, the income replacement percentage was determined subjectively by underwriters at various carriers. Recently, the Council for Disability Awareness has sought to modernize this process by introducing a statistical analysis approach, advocating for the replacement of at least 65% of income.

While traditional carriers generally meet or exceed the needs of low to middle-income earners, they often fall short for those earning above $150,000.

Regardless of income level, it is crucial to ensure adequate income protection to support an individual or family’s lifestyle during times of non-productivity or reduced cash flow due to short or long-term disability.

By adding supplemental income protection on top of what traditional carriers offer, maintaining your current lifestyle can shift from being a distant dream to a tangible reality.

06/17/2026

Time to stay up late and watch TV. But wait, what’s that static screen? If you remember when TV programming wasn’t 24 hours, you may be ready for a Medicare supplement insurance plan. Americans born in 1960 are now eligible. Contact me to learn about Medicare solutions from Mutual of Omaha Insurance Company and its affiliates.

The Draper Insurance Group
615-379-3302
[email protected]

https://www.mutualofomaha.com/disclosure/medicare-supplement-insurance/social-ads

06/16/2026

4 WAYS YOU CAN CASH OUT ON YOUR LIFE INSURANCE

Your clients need guaranteed life insurance protection today – but life changes, and so can your clients’ life insurance needs.
A unique feature on guaranteed universal life is a return of premium option, included at no additional charge within the policy, which provides clients with an exit strategy, giving them flexibility for their future.

How does this rider work?

Clients purchase a Guaranteed Universal Life (GUL) policy and make the required premium payments – the required premium is the amount that guarantees the death benefit through age 100. On the 15th, 20th and 25th policy anniversary, clients have a 60-day window where they have the opportunity to surrender their policy and get their premiums returned to them. If they don’t exercise the rider, there will be no impact on the policy.

4 Cash Benefits For Your Life Insurance Clients

For Retirement. A 45-year-old insured receives 20 years of death benefit protection and at age 65 receives her paid premiums back and uses the cash to supplement retirement income.
For College Costs. The insured bought two permanent policies and currently has young children. One of the policies was a GUL policy with the refund option available. When the children are at the age to attend college, the death benefit needs of the family change. He can surrender his GUL policy in year 15, 20 or 25 and use the cash to help pay for the child’s college education.
For Business Planning. The insured owns her own business and has a key employee, Tom. She purchases a GUL policy to protect her business if Tom died unexpectedly. In year 18 of 20, Tom resigns – and two years later she will receive all of her premium payments back.
To Pay-Up Another Policy. A 55 year old has a need for $5M in life insurance. He purchases two GUL policies, one for $2M and another for $3M. When he turns 75, he no longer needs as much coverage. He surrenders the $2M policy and uses the cash value to pay up the remaining policy. The insured still has $3M of insurance with no further premiums due.

06/15/2026

MYTH: LONG-TERM CARE INSURANCE IS JUST FOR NURSING HOMES.

Long-Term Care (LTC) Insurance has evolved significantly from its original purpose of covering nursing home costs. Today, it is a comprehensive product that assists with various services.

Take the real-life example of Joe, who cared for his parents for many years. To protect his family from similar responsibilities, he purchased LTC Insurance.

Later in life, Joe faced advanced diabetes and health challenges, including blindness and leg amputation. His LTC Insurance policy allowed him to stay at home by covering necessary renovations like ramps and grab bars.

A care coordinator helped Joe and his wife navigate the types of care needed and provided a referral list of local care providers. His wife received caregiver training, and a home health care nurse visited during the day while she worked. LTC Insurance played a crucial role in enabling Joe to remain in his home and receive the care he required.

The Draper Insurance Group

615-379-3302 615-379-3244

[email protected]

06/05/2026

06/03/2026

Considering life insurance with Vitality? Here are three compelling reasons to explore this option:

1. INCENTIVIZES HEALTHY LIVING
The Vitality program rewards policyholders for adopting healthier lifestyle choices. By tracking activities such as exercise, nutritious eating, and regular check-ups, you can earn points that translate into discounts, rewards, and premium savings. This enhances your health and provides tangible benefits for your efforts.

2. COST SAVINGS
With John Hancock Vitality, engaging in healthy behaviors can lead to significant savings on your life insurance premiums. Activities like walking, running, or getting a fitness check-up can help lower your premiums over time, making it an affordable choice for many policyholders.

3. COMPREHENSIVE COVERAGE
Beyond wellness benefits, certain policies provide robust life insurance coverage options, including optional long-term care and critical illness benefits. With flexible coverage amounts and customizable riders, policyholders can tailor their plans to meet their needs, ensuring peace of mind for themselves and their loved ones.

For more information, contact The Draper Insurance Group at 615-379-3302 or via email at [email protected].

06/02/2026

In the fable of the two frogs, one suggests jumping into a deep well for water and shade, while the other cautions about the potential danger of being unable to escape if the water runs dry. This serves as a reminder for business owners to not only address immediate concerns following the death or disability of a co-owner but also to consider the long-term implications of relying on the owner's daily involvement.

**Need #1 - Funding the Buyout**: Life or disability coverage ensures that the family of the deceased or disabled owner receives an agreed-upon price for their interest, while the remaining owner maintains control of the business.

**Need #2 - Assuring Ongoing Success Without the Partner**: Key person coverage through a company-owned policy provides cash to offset revenue shortfalls resulting from the loss of a participating owner's services.

**Flexibility in the Use of Policy Proceeds**: Once coverage is in place for both owners, the benefits can be utilized for either need, adapting to changes such as an increase in the agreed purchase price or a decrease in an owner's replacement cost as retirement approaches.

**The "One-Policy" Policy**: Many carriers allow two owners to cross-own a single policy that addresses both needs, facilitating a smoother transition should one owner exit the business.

For more information, contact The Draper Insurance Group of Tennessee at 615-379-3302 or 615-379-3244, or email [email protected]

05/26/2026

Understanding the A-B-C's of the cash benefit in a Long-Term Care policy is essential for planning ahead.

A is for Assets. When the need for Long-Term Care arises, many worry about having sufficient assets to cover the necessary care. This concern is particularly significant for those who may need to liquidate investments like stocks, CDs, or property to fund their care.

B is for Burden. Families often step in to assist loved ones requiring Long-Term Care. However, this can be challenging for adult children balancing their own family and career obligations. Most individuals prefer not to become a burden to their families during such times.

C is for Choices. A Long-Term Care Insurance policy that provides a cash benefit allows individuals to receive care in the comfort of their own homes. The cash benefit can be utilized as needed, whether for purchasing an airline ticket or gas for a child to visit, or for services like housekeeping and meal delivery.

For more information, contact The Draper Insurance Group at 615-379-3302 or via email at [email protected].

05/26/2026

Join us on Thursday. May 28th for our weekly in-person BNI meeting. We are seeking a divorce attorney, catering company, florist, land surveyor, auto mechanic, massage therapist and anyone in the healthcare industry (medical professionals, wellness practitioners, fitness and support, dentists, pharmacists, eye care professionals, audiologists, physical therapists, massage therapists, nutritionists, in-home care, gyms, and anyone else in the healthcare space) to join our group. But everyone is welcome. You do not have to be a Chamber member or BNI member to attend. Great networking opportunity for everyone! Learn more… https://fbitn.us/4uz6cBc

05/25/2026

Memorial Day | Remember & Hono
On this Memorial Day, let us pause to honor and remember the brave men and women of the armed forces who gave their lives in service to our nation. Their courage, sacrifice, and unwavering dedication to the ideals of freedom and democracy will never be forgotten.

May we reflect with gratitude, uphold the legacy they crafted, and strive to live in a way that honors their memory.