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Wednesday, July 1, 2020

Here are ten reasons for why I really appreciate you: 1. No one is above the law - including government officials. 2. Big government overreach is always challenged. 3. The spread of communism, and all other forms of tyranny, is...

Wednesday, July 1, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Did you know that every day, the insurance industry pays out in benefits an amount that is comparable to what Social Security pays? See the article below from Insurance News...

Tuesday, June 30, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Have you considered selling your obsolete life insurance policy to raise needed cash? Then check out the article below from Think Advisor for some examples of how this could...

Monday, June 29, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Many people - even wealthy people - feel that if they do estate planning (which could, of course, include the purchase of life insurance,) they will somehow jinx their life....

Sunday, June 28, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Are you the executor of an estate, or the beneficiary of a life insurance policy or annuity? A recent court decision has bearing on whose responsibility it is to inform the...

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Saturday, June 27, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: A life insurance industry executive reports that consumers have become more interested in term and whole life insurance. This is due to concerns about market volatility. See...

Friday, June 26, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: The massive government spending due to the pandemic, has people concerned the estate tax exemption will be reduced or eliminated. Are you concerned about that? If so, see the...

Thursday, June 25, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: The article below from Think Advisor talks about how more younger consumers want their life insurance policies to also cover critical illness and long term care. Have you...

Wednesday, June 24, 2020

Here is a thought about fatherhood, in commemoration of the Father's Day that just passed. You might remember a TV show from the 1950’s called “Father Knows Best.” It started out as a radio program, and then became a...

Wednesday, June 24, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Major illness leads people to be concerned about protecting their insurability. They do not want a medical condition to make them ineligible for a life insurance policy. See...

Tuesday, June 23, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: The article below from Business Insider talks about who should buy life insurance. It mentions people who have dependents. People usually think of young children as...

Monday, June 22, 2020

News. Insights. Analysis. Inspiration Today's Key Question: The article below from Business Insider reports that many life insurance companies have tightened up eligibility requirements for new policies. Have you had trouble getting...

Sunday, June 21, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Many people today are taking their mortality a bit more seriously, and have become more interested in buying life insurance - or adding to their current coverage. Have you...

Saturday, June 20, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: The article below from Tech Crunch talks about how financial planning is fast-becoming an employee benefit. Do you think a comprehensive planning process would you make it...

Friday, June 19, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Have you been designated an executor of an estate? If so, there are a few important items you need to know. Find out in the article from Wealth Advisor below. "The Skills and...

Thursday, June 18, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Many people are now thinking more seriously about buying life insurance since the pandemic hit. Are you wondering if you should? See the article below from Nerd Wallet to...

Wednesday, June 17, 2020

In times of uncertainty, Americans turn their attention to their liquidity—what cash they have on-hand and what cash can they quickly access if needed. Cash out securities? Raid the qualified plan? Get a bank loan against a home...

Wednesday, June 17, 2020

When I first started in the life insurance business, one of my teachers of the trade was on old-timer who had been selling for decades. His “ego wall” was decorated with many academic diplomas and certifications of...

Wednesday, June 17, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Due to pandemic restrictions, insurance companies have moved quickly to on-line applications and service. See the article in Insurance News Net below. Have you had experience...

Tuesday, June 16, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Are you looking for a safe way to purchase life insurance? A number of carriers can do that for you. See the article below from Think Advisor. Feel free to call me with...

Monday, June 15, 2020

The Week on Wall StreetInvestor sentiment turned negative last week, amid an increasing number of COVID-19 cases in states where reopening has been underway as well as a subdued economic forecast from the Federal Reserve. The Dow Jones...

Monday, June 15, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: The Medical Information Bureau reports an increase in life insurance applications in May, especially among young consumers. See the article below from Think Advisor....

Sunday, June 14, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Are you concerned your heirs will pay a huge estate tax bill when you pass on portfolios that have increased in value? The article below from Yahoo Finance could give you...

Saturday, June 13, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: 7-11 stores in Japan are now selling cancer insurance from vending machines, to promote contactless sales (see the article below from Insurance Forums.) Would you feel...

Friday, June 12, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Have you unfortunately experienced the death of a loved one, and need help finding their life insurance policies? The article below from Nerd Wallet could help you. Feel free...

Thursday, June 11, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: The pandemic reminds us that serious viruses take their toll, and that unfortunately, we lose loved ones. Family members need to know how to file a claim for their insurance...

Wednesday, June 10, 2020

“Deferred compensation has nothing to do with life insurance,” is how I begin when asked to explain the concept. This disarming statement usually draws looks of skepticism from my audience who are generally prepared to...

Wednesday, June 10, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Alfredo Ortiz, President and CEO of the Job Creators Network, argues that small business need liability protection from greedy trial lawyers looking to exploit the pandemic....

Wednesday, June 10, 2020

Here are my thoughts on how the COVID pandemic should have been handled. The key is putting to use our great American cultural and political institutions, including: Our Judeo-Christian heritage Common sense Capitalism and free...

Tuesday, June 9, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: The Labor Department reported last week that employers added 2.5 million jobs in May. See the article below from the Washington Examiner. Does that make you more confident...

Monday, June 8, 2020

The Week on Wall StreetA positive jobs report sent stocks soaring last Friday, capping a solid week as evidence of a global economic recovery outweighed concerns over civil unrest and tensions with China.The Dow Jones Industrial...

Monday, June 8, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Are you sure you have enough life insurance? Many Americans feel they do not.See the article below from Insurance News Net. "83M Americans Say COVID-19 Has Them More Likely...

Sunday, June 7, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Was your business unfortunately vandalized and looted during the violent protest this past week? The article below from Slate answers some of your questions about insurance....

Saturday, June 6, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: The article below from the National Law Review points out that Congress could very well eliminate the estate tax exemption to increase revenue, given all the money it has...

Friday, June 5, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: A report form the recent S & P Global Insurance Conference features a discussion of government bailouts of large corporations. Apparently, "too big to fail" is back. See the...

Thursday, June 4, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: George Melloan of the American Institute for Economic Research has published an essay holding politicians responsible for engaging in "politics of fear" to expand government...

Wednesday, June 3, 2020

Both my parents were non-conformists, God bless them. Asserting your individuality was a big value they instilled in me. Of course, you could go overboard and be different just for the sake of being different; but that wasn't the point...

Wednesday, June 3, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Now the World Health Organization says healthy people do not have to wear masks. (See the article below.) Does that change your thinking about the need to wear one?...

Tuesday, June 2, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Recent court decisions have overturned COVID019 lockdowns in different states (see the article below.) The bottom line is that government officials are always bound by the...

Monday, June 1, 2020

The Week on Wall StreetThe shortened week, which began with a powerful two-day rally of trading, was enough to drive the markets into another week of solid gains. The Dow Jones Industrial Average rose 3.75%, while the Standard &...

Monday, June 1, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Recent reports show that nearly half of all COVID-19 deaths have occurred in nursing homes (see the article below.) Does that make you more confident you can lead your life...

Sunday, May 31, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Do government officials have the right to criminalize legal actions in a health crisis? The report below from Reason says 'no'. What to you think? "Merrill Lynch Head...

Saturday, May 30, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: The Latest CDC report shows the expected mortality from COVID-19 to be many times lower than initially projected. Does that change your feelings about the necessity of the...

Friday, May 29, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: An editorial from the Washington Examiner (see below) presents a very solid case that the way certain states are enforcing their lockdowns, is giving communities of faith the...

Thursday, May 28, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Tucker Carlson has quoted a JP Morgan study that refutes the notion that the Lockdown has saved lives. Do you agree? See the article below. "Consumer confidence rises in May...

Wednesday, May 27, 2020

Over the last few years, I had the privilege of helping my father, mother, aunt, and uncle arrange for personal care in the final stage of their lives. We had to make decisions about what kind of care would be needed when, including...

Wednesday, May 27, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Research from the Washington Examiner (see article below) indicates that states that reopened earlier are not seeing higher rates of infection than those who open late. Does...

Wednesday, May 27, 2020

In the latest Tier One interview, CEO, Jay Judas, spoke to Kathy Bolton, Vice President, Plan Design and Administration at American Financial Systems, Inc. The pair chat about Kathy's path through the life insurance industry,...

Tuesday, May 26, 2020

The Week on Wall StreetUpbeat comments by the Federal Reserve Chairman and more signs of an economic turnaround combined to help fuel a powerful rally in the stock market last week.The Dow Jones Industrial Average rose 3.29%, while...

Tuesday, May 26, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Do you agree with the Job Creators Network that the opinion of Dr Fauci should not be the only medical opinion solicited in the national reopening policy? See the article...

Monday, May 25, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Should the CDC be downsized so it can be more focused on its true mission? See the article below. "Three weeks after opening, Georgia business owners chart their own course...

Sunday, May 24, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: In your opinion, did the medical bureaucracy delay the response of the government to the pandemic? If so, should the regulations that were suspended, be so permanently? See...

Saturday, May 23, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Does your definition of the “new normal” include more or less government control over our lives? "How to Do Market Business Research for a Business Idea" From...

Friday, May 22, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Does it appear to you that the people making decisions regarding the pandemic are out of touch with the citizenry? "Small Business Loan Eligibility: Which Documents Do You...

Thursday, May 21, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Would you give your state government good marks or bad marks on how they have responded to the pandemic? Why? "What You Need To Know To Start Working From Home" From Forbes:...

Wednesday, May 20, 2020

News. Insights. Analysis. Inspiration. “HOW IT WORKS: These 18 Garden State Plaza Stores Offering Curbside Pickup” From Daily Voice: *More than a dozen stores at Westfield's Garden State Plaza in Paramus will begin offering...

Tuesday, May 19, 2020

I come from a long line of small business owners. My father and grandfather before me ran their own shops. Our family knows well the vital contribution the small business person makes to the economy. I remember the time my father laid...

Tuesday, May 19, 2020

News. Insights. Analysis. Inspiration. “Magic Johnson’s Life Insurance Company Reportedly Funding $100 Million In Small Business Loans" From Forbes: * Former NBA all-star Magic Johnson told the Wall Street Journal that his...

Monday, May 18, 2020

The Week on Wall StreetStocks drifted lower last week, weighed down by Federal Reserve Chairman Jerome Powell's unsettling comments on the economy and signs of renewed tensions with China.The Dow Jones Industrial Average fell 2.65%,...

Monday, May 18, 2020

News. Insights. Analysis. Inspiration. “Reopening small restaurants could mean closing streets to use for outdoor seating” From USA Today: * How do you handle seating in small restaurant implementing social distancing...

Sunday, May 17, 2020

News. Insights. Analysis. Inspiration. "5 Online Businesses you can start from your home today" From Business Magazine: * Modern times require modern solutions. It’s 2020, and by each passing day, more and more job positions are...

Saturday, May 16, 2020

News. Insights. Analysis. Inspiration. "How to Nudge Your Customers to Settle Their Accounts" From American Express: * Businesses looking to maximize cash flow can explore accounts receivable by asking their customers to make good on...

Friday, May 15, 2020

News. Insights. Analysis. Inspiration. "Life Sales Look Great: ACLI President" From Think Advisor: * Susan Neely, the president of the American Council of Life Insurers (ACLI), talked about the effect of the pandemic on life insurance...

Thursday, May 14, 2020

News. Insights. Analysis. Inspiration. "Here’s How to Support Small Businesses During a Crisis" From Constant Contact: * When it comes to a time of crisis, how can you continue to support the small businesses and nonprofits in...

Wednesday, May 13, 2020

“Deferred compensation has nothing to do with life insurance,” is how I begin when asked to explain the concept. This disarming statement usually draws looks of skepticism from my audience who are generally prepared to zone...

Wednesday, May 13, 2020

My father hated Communism. Having lived through the emergence of the Soviet Union, Nazi Germany, and Imperialist Japan, you can see why. He carried with him a healthy dislike of people who tried to boss him around. Don't get me wrong:...

Wednesday, May 13, 2020

News. Insights. Analysis. Inspiration. "#PJPants4Ever: Twitter Says Employees Can Work From Home Permanently" From Daily Voice: * Twitter is “uniquely positioned to…allow folks to work from home given our emphasis on...

Tuesday, May 12, 2020

News. Insights. Analysis. Inspiration. "Cash-value life insurance provides a safe harbor in today’s economic storm" From Michigan Lawyers Weekly: * It’s important to keep in mind a few key differences between insurance...

Monday, May 11, 2020

The Week on Wall StreetDespite a historic downturn in employment, stocks managed to climb higher last week as investors were emboldened by the pace of economic re-openings, both here and abroad.The Dow Jones Industrial Average gained 2...

Monday, May 11, 2020

News. Insights. Analysis. Inspiration. "Goldman And Morgan Stanley: The Worst Is Behind Us" From Wealth Advisor: * Wall Street giants seem to be siding with optimistic views of President Trump. According to Jan Hatzius, chief economist...

Sunday, May 10, 2020

News. Insights. Analysis. Inspiration. "Small Business Stories" From Job Creators Network: * The new Paycheck Protection Program, part of the CARES Act, has extended a lifeline to small businesses. Small business owners are sharing...

Saturday, May 9, 2020

News. Insights. Analysis. Inspiration. "States reopening after Coronavirus shut us down. That means vastly different things depending on where you live" From USA Today: * Here's a look at the strategies some of those states are...

Friday, May 8, 2020

News. Insights. Analysis. Inspiration. "The U.S. economy may already have clawed back 5 million jobs of the 20-million-plus positions eliminated during the pandemic" From Market Watch: * “In other words, the decline versus the...

Thursday, May 7, 2020

News. Insights. Analysis. Inspiration. "Long Beach Beer Lab Could Have Closed; Instead, They Became Essential" From Entepreneur.com * Thanks to a robust supply chain and some quick thinking, the duo has transformed literally overnight...

Wednesday, May 6, 2020

Anti-Money Laundering regulations were just taking hold in the life insurance industry, when I started my career in 1991. Stories of huge cash payments for policies were legion around the agency I joined when I started selling, and...

Wednesday, May 6, 2020

News. Insights. Analysis. Inspiration. "Where's my stimulus payment? Here's a look at why some checks haven't arrived" From USA Today: * And while it appears that some money was sent out, some people still have yet to receive it...

Tuesday, May 5, 2020

News. Insights. Analysis. Inspiration. "Seize the day: Taking advantage of low interest rates now" From John Hancock * Interest rates are at historical lows, including the Applicable Federal Rates (AFR) used in many estate- and...

Monday, May 4, 2020

The Week on Wall StreetStock prices ended the week slightly lower, despite news of positive results from a test trial of a COVID-19 drug treatment and several states easing their economic lockdowns. The Dow Jones Industrial Average...

Monday, May 4, 2020

News. Insights. Analysis. Inspiration. "The Top 10 Ways Hackers Get Around Your Firewall And Anti-Virus To Rob You Blind" From Holzsager Technology: * Cybercrime is at an all-time high, and hackers are setting their sights on small and...

Sunday, May 3, 2020

News. Insights. Analysis. Inspiration. "9 Things You Can Do Right Now to Make Sure Your Business Stays Afloat" From The Hartford: * Running a small business is challenging. But now, these challenges have multiplied thanks to the...

Saturday, May 2, 2020

News. Insights. Analysis. Inspiration. "White House Unveils Plan to Reopen American Businesses" From Small Biz Trends: Here’s an overview of the plan: Phase 1 – Strict social distancing for everyone when out in public....

Friday, May 1, 2020

News. Insights. Analysis. Inspiration. "State Insurance Departments Issue Guidance to Life and P&C Insurers Concerning COVID-19 (Updated #2)" From JDSupra: * State insurance departments across the country are continuing to provide...

Thursday, April 30, 2020

News. Insights. Analysis. Inspiration. "How Starbucks plans to reopen 90% of stores by June and what the new normal for its coffee shops will look like" From Business Insider: * Starbucks will begin opening stores next week, executives...

Wednesday, April 29, 2020

News. Insights. Analysis. Inspiration. "The U.S. stock market may enjoy the biggest rally ever when the pandemic is over" From Wealth Advisor: * President Donald Trump has said that, due to pent-up demand, the economy will eventually...

Wednesday, April 29, 2020

My aunt - my father’s sister - was an “Old Battle Axe,” as they used to say. She lived past age 100 through sheer willpower. She had actually made a life goal of living a full century. With that in mind, she and I...

Tuesday, April 28, 2020

Tuesday, April 28, 2020

News. Insights. Analysis. Inspiration. “$30 Billion in Provider Relief Delivered Under the CARES Act (for providers)” From https://www.jdsupra.com/legalnews/30-billion-in-provider-relief-delivered-52083/: * Under the...

Monday, April 27, 2020

The Week on Wall StreetStock prices bounced around last week as investors reacted to wild swings in the price of oil and reports that called into question the efficacy of two potential virus treatments.The Dow Jones Industrial Average...

Monday, April 27, 2020

News. Insights. Analysis. Inspiration. "IRI Unveils 5 Ideas for Curing COVID-19 Nest Egg Blight" From Think Advisor: * The Individual Retirement Institute (IRI) — a Washington-based annuity player group that supported passage of...

Sunday, April 26, 2020

News. Insights. Analysis. Inspiration. "Goldman says downturn will be 4 times worse than housing crisis, then an ‘unprecedented’ recovery" From CNBC: * As industries are gradually brought back online, that should produce an...

Saturday, April 25, 2020

News. Insights. Analysis. Inspiration. "How Small Businesses Can Use eCommerce to Boost Sales During COVID-19" From The Hartford: * Whether you’ve dabbled in eCommerce, have never taken an online order or consider yourself an...

Friday, April 24, 2020

News. Insights. Analysis. Inspiration. "3 Quick Things You Can Do to Conserve Cash Now" From The Hartford: * All of this impacts cash. I think this crisis will be short term and I’m hoping we’ll get through this in just a...

Thursday, April 23, 2020

News. Insights. Analysis. Inspiration. "How telehealth will help us fight COVID-19" From Washington Examiner: * New innovations in digital health will not only make our communities and our world more resilient — they’ll...

Wednesday, April 22, 2020

News. Insights. Analysis. Inspiration. "Why Post-COVID-19 Operations at a Small Life Insurer Look OK: Idea File" From Think Advisor: * The idea is that typical small and midsize life insurers might be in pretty good shape because of...

Tuesday, April 21, 2020

News. Insights. Analysis. Inspiration. “MassMutual to Give $3 Billion in Life Insurance to Health Care Workers” From Think Advisor: * The new MassMutual HealthBridge program will provide up to $25,000 in free, three-year...

Monday, April 20, 2020

The Week on Wall StreetStock prices pushed higher last week as news of a White House plan to reopen the economy and reports of a potential COVID-19 treatment helped the market overcome weak economic data and an ugly start to the...

Monday, April 20, 2020

News. Insights. Analysis. Inspiration. "Could Free-Market Medicine Respond Better to Pandemics?" From TownHall: * The U.S. health care system is bureaucratic, costly, inconvenient and decidedly nonpatient-friendly. It doesn’t...

Sunday, April 19, 2020

News. Insights. Analysis. Inspiration. "IRS Extends 60-Day IRA Rollovers to July 15" From Think Advisor: * As part of a larger relief package, the Internal Revenue Service extended late Thursday the 60-day rollover rule for individual...

Saturday, April 18, 2020

News. Insights. Analysis. Inspiration. "COVID-19 SCAM ALERT: Here’s How Stimulus Scammers Try To Steal Your Money" From Daily Voice: * If you do get a call, text or email from someone asking for your Social Security, checking...

Friday, April 17, 2020

Safe to say, the majority of mayors and governors in the US are not religious. They do not consider communal prayer, study, weddings, funerals, and other events, to be essential services. They do not appreciate the importance of coming...

Friday, April 17, 2020

News. Insights. Analysis. Inspiration. "What If COVID-19 Lowers Health Claims?" From Think Advisor: * If COVID-19 really does cut spending on ordinary claims about 40%, then health insurers could save about $31 billion, or 40% of $78.5...

Thursday, April 16, 2020

News. Insights. Analysis. Inspiration. "Bernanke rejects Great Depression comparisons as he says GDP could slump by 30%" From Wealth Advisor: * “This is like a natural disaster, and the response is more like an emergency relief...

Wednesday, April 15, 2020

News. Insights. Analysis. Inspiration. "No, it isn't hypocritical for small government conservatives to back coronavirus relief" From Washington Examiner: * This current crisis is not economic in nature — it is more akin to a...

Tuesday, April 14, 2020

News. Insights. Analysis. Inspiration. "Auto insurance companies return $800 million in premiums because no one is driving" From Wealth Advisor: * Two insurers -- Allstate and American Family Insurance -- announced Monday they will...

Tuesday, April 14, 2020

The holiday season makes you think of God, and Goodness, and why life can be so crazy. Why there are pandemics in this world. Why evil people harm the innocents. Throughout my life, I have often sought counsel from people whose worlds...

Monday, April 13, 2020

The Week on Wall StreetThe stock market staged a broad rally this week, buoyed by the prospect that COVID-19's grip on the nation may be easing and news of another Federal Reserve program to help stabilize businesses.The Dow Jones...

Monday, April 13, 2020

News. Insights. Analysis. Inspiration. "Stimulus Checks Should Go Out This Week Or Next, Says Kudlow" From Wealth Advisor: * According to The Washington Post, which has reviewed a timetable from the IRS, stimulus checks first will be...

Monday, April 13, 2020

Tucked into the gigantic “Coronavirus Aid, Relief, and Economic Security” (“CARES”) Act were two key changes you should know about, regarding required minimum distributions (RMDs). Both were designed to give...

Saturday, April 11, 2020

"National Integrity Title Agency offers drive-thru closings, curbside service" From NJ Biz: * The full-service commercial and residential real estate title insurance and settlement company set up a drive-thru section within its...

Friday, April 10, 2020

News. Insights. Analysis. Inspiration. "Post-COVID-19 Economy: Less From Washington May Be More" From Forbes: * How did the federal government react? As recounted in James Grant’s definitive history of that contraction, The...

Thursday, April 9, 2020

News. Insights. Analysis. Inspiration. "Grocery stores offer special hours for most vulnerable shoppers" From NJ Biz: * Some grocery stores are offering special hours for the elderly, the pregnant, and the vulnerable at the beginning...

Wednesday, April 8, 2020

"Loans From Life Insurance: Your Own Private Bank" From Life Insurance Strategies Group: * In times of uncertainty, Americans turn their attention to their liquidity—what cash they have on-hand and what cash can they quickly...

Tuesday, April 7, 2020

News. Insights. Analysis. Inspiration. "How To Start Rebuilding The Post-Coronavirus Economy Now" From Forbes: * Here are three major issues that could garner bipartisan support to create and stabilize millions of jobs and put hundreds...

Tuesday, April 7, 2020

I grew up during the Viet Nam War. As a amateur of fact, I received my draft notice three months before they stopped the draft. I remember every day my mother would have the six-o’ clock news on the TV, as she made dinner. The...

Monday, April 6, 2020

The Week on Wall StreetModest declines in stock prices this week masked the volatile inter- and intraday price swings as investors digested poor economic data and a warning from the president that the worst days of the COVID-19...

Monday, April 6, 2020

News. Insights. Analysis. Inspiration. "How to Attract Business During COVID-19" From Advisor Websites: * COVID-19 has brought about unprecedented times and a lot of uncertainty, but one thing that remains is the need to attract new...

Sunday, April 5, 2020

News. Insights. Analysis. Inspiration. "The 1918 Flu Pandemic Hit GDP Hard: Economists" From Think Advisor: * The big U.S. life insurers were all able to pay their 1918 death claims, and many were able to maintain their dividend...

Saturday, April 4, 2020

News. Insights. Analysis. Inspiration. "Digital Estate Planning Platform Gentreo Launches "Essential Employee Discount" To Support Workers on Front Lines of Coronavirus Crisis" From Wealth Advisor : * Gentreo, a simple, secure and...

Friday, April 3, 2020

News. Insights. Analysis. Inspiration. "Man who called Dow 20,000 at end of 2015 says these are the 4 steps needed for a bona fide stock-market recovery" From Wealth Advisor: * Siegel says there are four things he will be watching to...

Thursday, April 2, 2020

News. Insights. Analysis. Inspiration. "The Private Sector's Heartening Response to COVID-19" From Reason: * Creativity and selflessness are on display everywhere. * "It's easy to feel depressed and scared these days. News about the...

Wednesday, April 1, 2020

Much is being said about the sad toll the Corona virus is taking on the World War II Generation. Let me tell you about a man from that time whom I knew and loved. Like many of his peers, his prosperity and physical stamina were a...

Wednesday, April 1, 2020

News. Insights. Analysis. Inspiration. "5 practical Ways to Ace a Virtual Negotiation" From FastCompany: * Follow these five tips to make the most of your virtual business negotiation. “How to Get Your Estate Plan Done While...

Tuesday, March 31, 2020

News. Insights. Analysis. Inspiration. “COVID Peak By May, UBS Says: Get Ready For Recovery” From Wealth Advisor: * (FX Street) Analysts at UBS examine how the interplay of health, monetary, and fiscal policy impact markets...

Monday, March 30, 2020

An open-ended commitment by the Federal Reserve to support American businesses and capital markets along with the passage of a $2 trillion aid package improved investor sentiment and drove a strong rally in stock prices. The Dow Jones...

Monday, March 30, 2020

So now a number of states have banned group prayer services. Criminal penalties will be assessed on people who break these laws. It’s instructive to think how we got to this point, and what the future might hold for government...

Monday, March 30, 2020

News. Insights. Analysis. Inspiration. "Electronic Signatures and Electronic Delivery of Documents as a Social Distancing Business Continuity Strategy" From JD Supra: * U.S. electronic signature law (ESIGN1 and comparable state laws,...

Saturday, March 28, 2020

News. Insights. Analysis. Inspiration. "COVID-19: Is Your Life Insurance Policy Immune?" From Funds Society: * TOP 3 Frequently Asked Questions “How To Use The COVID-19 ‘Shelter In Place’ Orders As An Early Retirement...

Saturday, March 28, 2020

News. Insights. Analysis. Inspiration. “Preliminary Thoughts – The New World Order” From Advisor Perspectives: * The end of the capital markets as we have known them? "Insurers’ role during COVID-19 pandemic:...

Friday, March 27, 2020

Insights and analysis from industry experts and thought leaders. "Instacart to hire 12,000 shoppers in NJ" From NJ Biz: * The home delivery industry can boom! “Insurance Companies Are Essential: States” From Think Advisor:...

Thursday, March 26, 2020

Insights and analysis from industry experts and thought leaders. “Trump And Pence Held Call With Wall Street Titans” From Forbes: * “CNBC reported that a general idea that emerged during the call was that the U.S....

Wednesday, March 25, 2020

Inspiration and information from industry experts and thought leaders. “Eight Estate Planning Strategies In A COVID-19 World” From Forbes * Most estate planning work can be done at home; * There are many options to sign a...

Tuesday, March 24, 2020

Inspiration and information from industry experts and thought leaders. "Legend Jeremy Grantham Bullish On Coronavirus Recovery" From The Wealth Advisor: Grantham and Inker are bullish on the market recovery. "States Can't Shut Down...

Monday, March 23, 2020

Insights from industry experts on how the pandemic could affect your insurance and financial portfolio. From Think Advisor: 1. Consumer interest in life insurance is strong; 2. Companies have sufficient reserves to handle pandemics; 3....

Monday, March 23, 2020

The Week on Wall StreetThe stock market suffered through another volatile week as it wrestled with the health and economic fallout of the domestic spread of the coronavirus. Swift and decisive actions by the Federal Reserve and policy...

Thursday, March 19, 2020

I have the benefit of knowing my family history going back several generations. Let me tell you: we have been through a lot. Here are some of the major events that disrupted our lives: Pogroms in Russia The Tsarist Revolution The...

Tuesday, March 17, 2020

Private placement life insurance provides the ability for both a foreign grantor trust and a foreign non-grantor trust to make investments into assets deemed to generate U.S. source income and to avoid U.S. taxation to the grantor or...

Monday, March 16, 2020

The Week on Wall StreetMarkets remained exceptionally volatile, buffeted by the spreading impact of coronavirus, uncertain responses from federal policymakers, and the sudden drop in oil prices.The Dow Jones Industrial Average fell 10...

Monday, March 9, 2020

The Week on Wall StreetHeightened coronavirus fears, falling yields, and Super Tuesday primary results sent stocks on a rollercoaster ride of sharp price swings, leaving stocks marginally higher for the week.The Dow Jones Industrial...

Wednesday, March 4, 2020

Here is the latest news, from the Daily Wire, on the crusade by California politicians to eliminate the differences between genders: “A new bill introduced by a member of the California state assembly would force stores that...

Monday, March 2, 2020

The Week on Wall StreetStocks fell sharply last week as Wall Street considered how the coronavirus outbreak might influence global business activity and household spending.The selloff became a correction for the U.S. markets. The S&P...

Monday, February 24, 2020

The Week on Wall StreetTraders paid close attention to coronavirus developments and earnings last week, while wondering how the former might eventually impact the latter. Concern over updated infection numbers moderated risk appetite.A...

Saturday, February 22, 2020

Sometimes I wonder, how the heck did I ever get into this mess? What did I do to deserve these troubles? Maybe I did something wrong? Am I being punished by You-Know-Who? I know we are all subject to these moods of despair. How do we...

Friday, February 21, 2020

You have probably heard of the controversial halftime show at the Super Bowl presented by JLo and Shakira. It certainly was sexually suggestive in that it featured scantly clad women and men, with a lot of gyrating and thrusting. Was...

Tuesday, February 18, 2020

The Week on Wall StreetDaily headlines about the coronavirus had little impact on stock market averages last week. Earnings and mergers had more influence. All three Wall Street benchmarks improved. The Nasdaq Composite rose 2.21%,...

Friday, February 14, 2020

Here's an interesting Valentine's Day question: Should men say “I Love You” to one another?Men certainly need to be emotionally healthy, and expressing feelings helps accomplish that. Some of those feelings are very deep,...

Monday, February 10, 2020

The Week on Wall StreetStocks advanced four days out of five during the past market week, erasing the losses of the week before. The Nasdaq Composite surged 4.04%, the S&P 500 3.17%, and the Dow Jones Industrial Average 3.00%. Foreign...

Monday, February 10, 2020

Everybody wants to be loved. People are truly rich if they are surrounded by people who love them. I mean really love them – not just like, or appreciate, or support.And I mean true love: people who hold a place in their heart...

Friday, February 7, 2020

A long time ago, my grandmother died. She was elderly, and sick.My father broke the news this way: “I have good news, and I have bad news. The bad news is that Grandma has passed away. The good news is that she died quickly, and...

Thursday, February 6, 2020

Most people know that I've been selling life insurance since 1991 which, as of this recording, makes it almost 30 years. What most people don't know is that this job was my seventh attempt at starting a career. After I graduated...

Thursday, February 6, 2020

One of the most intriguing parts of my martial arts practice is the use of five elements: water, wood, fire, earth, and metal. We use these elements as a schematic to determine how to handle opponents when they present different types...

Wednesday, February 5, 2020

When we were children, we often took up some hobby or sport. Maybe it was piano playing, or tennis, or gymnastics. Inevitably, our coach or teacher tried to encourage us with these words: “practice makes perfect”. This...

Tuesday, February 4, 2020

The world of medical technology never ceases to amaze. New and improved diagnostic studies, procedures, and lab tests are constantly being invented. As you can imagine, life insurance companies eagerly avail themselves of these tools....

Monday, February 3, 2020

The Week on Wall StreetStock benchmarks declined for a second straight week as coronavirus news tempered risk appetite.The S&P 500 fell 2.14% on the week. The Nasdaq Composite dipped 1.76%, and the Dow Jones Industrial Average, 2.55%....

Thursday, January 30, 2020

When I was in college, I had a friend who joined the Marines. He was a tough guy. I would visit with him when he was on leave. He would tell me what life was like serving: the good, the bad, and the ugly. No matter what the adversity...

Monday, January 27, 2020

The Week on Wall StreetStock prices fell last week as investors considered the potential health and economic risks of the flu-like coronavirus.Foreign stock markets, as tracked by the broad MSCI EAFE index, fell 1.03% for the week....

Tuesday, January 21, 2020

The Week on Wall StreetTraders were in an upbeat mood last week, reacting to news out of Washington: the signing of the phase-one trade deal between the U.S. and China as well as the Senate passage of the U.S.-Mexico-Canada Agreement...

Monday, January 20, 2020

How many times have you faced a tough situation, and said to yourself, “I'll get through this.” That's a good attitude. It shows strength and determination.However, I think for some people, it shows a certain passivity....

Sunday, January 19, 2020

I grew up in the Inwood/Washington Heights neighborhood of New York City in the 1960s. It was a rough place to live, what with bad race relations, religious tensions, gang life, and overall city problems. I remember being scared many...

Friday, January 17, 2020

“A poetic version of the confession of German pastor Martin Niemöller reads, “First they came for the socialists, and I did not speak out, because I was not a socialist. Then they came for the trade unionists, and I...

Wednesday, January 15, 2020

There are people intent on doing great harm to Jewish children. They are sadistically hurting both boys and girls.They are preventing these children from leading fully religious lives.They are not black militants, fascist Democrats,...

Wednesday, January 15, 2020

It's all about the Obama administration empowering Iran.And the Trump administration having no part of that.=====“Trump has thereby distinguished himself from his predecessor. The world’s most famous dealmaker appears not...

Tuesday, January 14, 2020

Your martial arts teacher is considered your father. Obviously, you already have a biological father; but your Shifu (in Chinese arts) or Sensei (in Japanese) serve as a father figure for your training. You give him the respect and...

Tuesday, January 14, 2020

The Week on Wall StreetThe market had a choppy five days, with traders reacting to geopolitical developments and weaker-than-expected jobs data. Even so, the three major U.S. equity indices posted weekly gains and continued their...

Monday, January 13, 2020

In my martial arts training, my fellow students are my partners, not my opponents. When we engage in drills or combat, the goal is to help the other person improve - not to beat the other person. If you are at a higher skill level, you...

Saturday, January 11, 2020

Martial arts training features all kinds of pain. Daily practice, testing, combat, all cause a lot of hurt. Obviously it's not debilitating pain; if it was, you couldn't continue. But it's pain of various degrees that makes you want to...

Friday, January 10, 2020

I've recently been featured as guest contributor in Advisors Magazine.

Friday, January 10, 2020

In martial arts training, it's imperative to always “keep your cup empty.” That means you are always ready to learn from any one who will teach you. If your cup is full with what you know, there will be no room for what you...

Thursday, January 9, 2020

In my martial arts training, students test to advance rank on a regular basis. This is a very common practice in martial arts schools. In a school like mine, the test is all about being all you can be, as opposed to simply gaining...

Wednesday, January 8, 2020

In my martial arts training, we develop a Reference Point. It's the state of mind you need to attain to be most effective in combat. You are deeply relaxed in mind and body. Your senses are attuned to your environment. You are aware,...

Monday, January 6, 2020

The Week on Wall Street Stocks descended from record highs Friday, as traders reacted to a U.S. drone strike that killed Iran's top military officer. Oil prices rose more than 3% following the breaking news.[1] Wall Street benchmarks...

Monday, January 6, 2020

In martial arts, you learn there is no such thing as failure.For sure, you “fail” to do things correctly – all the time. But it's failure with a “small F” - a short- term condition. At least it should be...

Monday, January 6, 2020

In martial arts training, it is imperative to develop good habits. Good habits include the proper way of thinking, breathing, and performing. These good habits help you become healthier, more powerful, and a better person when you...

Monday, January 6, 2020

My martial arts teacher is fond of telling us that if a student learns combat skills without developing a moral code, it's like giving a gun to a baby.What does that mean?It means that fighting skills give you power – even lethal...

Friday, January 3, 2020

In martial arts training, your progress is typically evaluated on a yearly basis.I see several sound reasons for this:1.It can take as long as a year for your body to get used to performing new moves efficiently.2. In a year’s...

Wednesday, January 1, 2020

What was the resolution you made this New Year's Eve? Was it to make more money? Be less angry? Feel more love? Be less overweight? Can you be guaranteed success in achieving any of your goals? I think so. Here's the key: if you want...

Wednesday, January 1, 2020

Mastery is a common ideal in the world of martial arts. We have all heard of somebody being heralded as a “martial arts master.”What exactly is “mastery?”As I understand it, mastery is when you are at your best....

Monday, December 30, 2019

What Drove the Markets? Four factors influenced investment performance in 2019: a shift in U.S. monetary policy, the ongoing trade dispute between the U.S. and China, earnings, and the economy. Stocks reached record highs in 2019. The...

Monday, December 30, 2019

In my adult life, I have researched a multitude of personal growth programs. These have included attitude development; sensitivity training; management training; and mental toughness.I have to say that by far, the most effective...

Thursday, December 26, 2019

The primary principle of self-defense is “situational awareness:” know where are you are, and what potential threats you might face. Are any clear dangers present? Any potential dangers? Anything out of the ordinary that...

Thursday, December 26, 2019

A basic principle of self-defense is to “get off the line.” Don't enter situations that could mean trouble. Don't expose yourself to a threat you can't handle. Don't put yourself at a disadvantage.If trouble does find you,...

Monday, December 23, 2019

My clients and friends know that I train in kung fu, and I am always asked if I can see any similarity between martial arts and the insurance business. The answer is yes indeed!They both have to do with protecting you from getting hurt...

Tuesday, December 17, 2019

Tier One: Stranger In a Strange Land (Avoid PFICs) A common mistake for U.S. expatriates is to purchase a local life insurance policy where they are living without realizing the policy may not be considered life insurance under U.S....

Tuesday, December 17, 2019

Breast Cancer: A Life Insurance Deal…Maker? © Kostanai Some people have a tough time getting life insurance. This is especially true of people with a cancer history. Women with a history of breast cancer can sometimes feel...

Tuesday, December 17, 2019

How to get life insurance and plan your estate? That was a topic recently discussed by two close friends and business owners. Ross, a 50-year-old manufacturing industry executive, sits down for lunch one day with long-time friend...

Monday, December 16, 2019

The Week on Wall Street The U.S. and China announced a limited trade agreement last week. That news lifted U.S. and foreign stocks, leading to weekly gains. Advancing 0.91% on the week, the Nasdaq Composite outperformed the S&P 500...

Wednesday, December 11, 2019

For generations, survivalists have stressed the importance of preparing for catastrophes: natural disasters; nuclear war; civil war; government persecution.Considering human history, this is a smart move. It is realistic to prepare for...

Monday, December 9, 2019

The Week on Wall Street Key Wall Street benchmarks were up and down last week – or rather down and then up. A Tuesday retreat was offset by a Friday rally spurred by the Department of Labor’s November jobs report. While the S&P 500...

Monday, December 2, 2019

The Week on Wall Street As November wrapped up, U.S. equity benchmarks advanced. Stocks were again aided by a sense of optimism that a preliminary U.S.-China trade deal could be near. For the week, the Nasdaq Composite added 1.87%;...

Monday, November 25, 2019

The Week on Wall Street Stocks declined last week as mixed signals emerged about the progress of U.S.-China trade negotiations. The three major Wall Street benchmarks all took weekly losses. The Dow Jones Industrial Average declined 0...

Tuesday, November 19, 2019

Chad Felix Greene, gay activist and media commentator, recently published an essay on the spectacle of provocative adult entertainers such as drag queens, conducting story hours for children at community libraries. His moral guidance...

Monday, November 18, 2019

The Week on Wall StreetStock benchmarks were little changed for much of last week, but a rally occurred Friday after news broke that the U.S. and China could be closing in on the first phase of a new trade pact. At Friday's close, the...

Monday, November 11, 2019

The Week on Wall Street Domestic and international stocks rose last week. Risk appetite outweighed concerns about the state of U.S.-China trade discussions. The Dow Jones Industrial Average, Nasdaq Composite, S&P 500, and MSCI EAFE...

Tuesday, November 5, 2019

Premium Financing: How HNW Clients Buy Life Insurance Recently, a friend of mine who has been a private banker for over ten years, Anita, called to both vent her frustration and to ask for advice. “I’ve got a bone to pick...

Tuesday, November 5, 2019

Some religious communities have a standard of “modesty” that requires girls and boys, and men and women, to participate in activities separately. These activities include school, group worship, and even social events such...

Monday, November 4, 2019

The Week on Wall Street A better-than-forecast jobs report prompted a stock market rally Friday, two days after traders witnessed another interest rate cut by the Federal Reserve. Both the S&P 500 and Nasdaq Composite ended the week...

Monday, October 28, 2019

The Week on Wall Street The S&P 500 came within 0.1% of a record close Friday. Stocks were lifted last week by positive news on U.S.-China trade negotiations, plus earnings announcements. The Nasdaq Composite posted the largest weekly...

Monday, October 28, 2019

There is a “#periodpoverty” movement afoot with the goal of making menstrual products more accessible. It has gained both congressional support, as well as the support of Democrat party candidates.In particular, the...

Sunday, October 27, 2019

Recently, a man named Rachel McKinnon, who identifies as a transgender woman, won the women's world Masters Track Cycling World Championships sprint title for the second year in a row.“The 37-year-old, competing in the female...

Saturday, October 26, 2019

By now you have heard that industry leader Always Sanitary Products is going to remove the feminine Venus symbol from its packaging. This is a concession made to the demands of transgender activists:“The decision follows...

Friday, October 25, 2019

A recent post on Quillete provides much-needed clarity on the current gender identity debacle. It is entitled, “No One is Born in the Wrong Body,” and is written by an endocrinologist, evolutionary biologist, and science...

Thursday, October 24, 2019

Social commentator Matt Walsh has put together a solid argument that parents can create gender confusion in their children. He considers it to be a new and increasingly common form of Munchausen Syndrome by Proxy, the horrible mental...

Wednesday, October 23, 2019

World-renowned moral philosopher and conservative commentator Dennis Prager, has published an insightful commentary on the recent decision by Air Canada to change the way its staff will address its passengers. He reports the news this...

Monday, October 21, 2019

The Week on Wall Street Earnings helped give the Nasdaq Composite and S&P 500 a slight lift last week, offsetting investor disappointment over the small scope of the preliminary U.S.-China trade deal reached on October 11. Blue chips...

Monday, October 21, 2019

There has been much debate about the pros and cons of President Trump's decisions to pull troops out of Syria. The commentary below is the best explanation I have found for why it is the right move.The author is a fellow named Matthew...

Friday, October 18, 2019

Politicians who promote socialism are actually promoting asset forfeiture.The world has seen this before. Remember Joseph Stalin?Of course, once one person is designated as a kulak - one who is “obscenely wealthy” -...

Thursday, October 17, 2019

Did you think it was a good thing when retail giant Target committed to raising its minimum wage to $15 an hour? If so, think again.Yes, the company did raise wages. But they also reduced hours, which made some people ineligible for...

Monday, October 14, 2019

The Week on Wall Street Stock prices pushed higher last week, as investors remained hyper-focused on any new developments with the U.S. trade negotiations with China. The Dow Jones Industrial Average picked up 0.91%, while the...

Monday, October 7, 2019

The Week on Wall Street The fourth quarter started with a mixed week for equities. The Dow Jones Industrial Average lost 0.92% for the week; the S&P 500, 0.33%. In contrast, the Nasdaq Composite improved 0.54%. Overseas stocks pulled...

Monday, September 30, 2019

The Week on Wall Street Stocks retreated last week. Traders worried that the formal impeachment inquiry of President Donald Trump might distract White House officials from their pursuit of a trade deal with China, and shift the focus...

Wednesday, September 25, 2019

Giant retailer Walmart just opened up its first first health clinic in a Georgia store. Here's what I love about this innovation:Comprehensive primary care: primary medical, dental, vision, and mental health care are provided...

Monday, September 23, 2019

The Week on Wall Street Investors reacted to two major news items last week, one far more of a surprise than the other. The Federal Reserve did indeed make a rate cut, matching Wall Street expectations. Drone strikes on two of the...

Monday, September 16, 2019

The Week on Wall Street Stocks edged toward all-time peaks during a relatively calm week marked by easing trade tensions. Friday marked the eighth straight daily advance for the Dow Jones Industrial Average.[1] Small-cap shares, as...

Tuesday, September 10, 2019

I am glad to hear that a New York surrogate court awarded the executors of the estate of Leona Helmsley $100 million in fees. The entire estate was worth $5 billion.Having served myself as an executor for the estate of a family member...

Monday, September 9, 2019

The Week on Wall Street Stocks rose last week, with help from two developments: the announcement of further U.S.-China trade talks as well as August hiring and manufacturing numbers that seemed to bolster the argument for a rate cut...

Monday, September 9, 2019

The folks at Aging.Parents.com were recently featured in Forbes. They have solid advice for a growing concern among many people in their 50s and 60s: how to assist parents who are aging and losing their independence.The challenge...

Tuesday, September 3, 2019

The Week on Wall Street Fears of an impasse in the U.S.-China trade dispute lessened last week. While additional U.S. tariffs on Chinese imports were scheduled to take effect on September 1, China's government communicated that it...

Thursday, August 29, 2019

The hot controversy over NFL players taking a knee during the national anthem, has an angle that has been under- played, but which is nonetheless crucial. It deals with the corporate responsibility – or lack thereof – of...

Thursday, August 29, 2019

Here's my two cents on the Obamacare/Trumpcare debate.I’ll tell you what I don't want when it comes to medical insurance: I don't want the federal government taking over the entire marketplace just to make sure a small percentage...

Wednesday, August 28, 2019

Do you want to know what sets me apart from other businesses? I am dedicated to putting my clients’ best interests first and making the life insurance process streamlined and clear. My passion is to ensure that my clients have...

Tuesday, August 27, 2019

I grew up at a time when milk was still being delivered to your home. True, it was phasing out; but was since replaced by pizza delivery, Chinese food delivery, and a host of other home delivery services.The home delivery guy was such...

Monday, August 26, 2019

The Week on Wall Street Traders assumed that the week's biggest news event would be Federal Reserve Chairman Jerome Powell's speech at the annual Jackson Hole banking conference. Instead, China seized the headlines by announcing new...

Monday, August 19, 2019

The Week on Wall Street U.S. stock indices saw significant ups and downs last week, with traders looking for economic cues from Treasury yields and also developments in the tariff fight between the U.S. and China. The S&P 500 lost 1...

Monday, August 12, 2019

The Week on Wall Street Stocks spent much of last week rebounding from a Monday drop that reflected nervousness about the U.S.-China trade fight. By Thursday's closing bell, the S&P 500 had regained all its Monday losses - but it...

Tuesday, August 6, 2019

Matt Walsh at the Daily Wire has a keen insight into the epidemic of horrific mass shootings that have hit our country in the last fifteen years or so. His research points to the “gamification of terror:” people who...

Monday, August 5, 2019

The Week on Wall Street Last week, the Federal Reserve cut interest rates for the first time in more than a decade, in line with Wall Street's expectations. Ironically, stocks had their worst week of 2019. The S&P 500 finished the...

Monday, August 5, 2019

Melissa Blazejak, an editor with HR Daily Advisor, has published a most informative article on hiring millennials. I like what she says, and it rings true as she is herself a millennial. I have been employing people for decades, and...

Friday, August 2, 2019

A recent article in Familywealthwatch gives us insight into what makes super rich people tick. There are no surprises here.No, they don't have an exceptional greed for money.No, they don't envision themselves as rulers of the world.No...

Wednesday, July 31, 2019

As you may know, I have spent the last five years retooling my firm into a resource for world class insurance products and services. That process has included the design of a state-of-the-art website and corporate rebranding. Our...

Wednesday, July 31, 2019

Reason Magazine has run an article with surprising news - there is still room in the marketplace for small business operators!It's encouraging to hear that small retail stores can compete with online giants like Amazon. I think it's...

Tuesday, July 30, 2019

Life insurance consultant Bill Boersma has identified some of the major pitfalls of life insurance premium financing in an article in wealthmanagement.com. Brokers and advisers who propose such an arrangement to their clients would be...

Monday, July 29, 2019

The Week on Wall Street Last week, investors assessed earnings and the initial estimate of second-quarter economic growth, while awaiting the Federal Reserve's next announcement about interest rates. Stocks rose for the week;...

Monday, July 22, 2019

The Week on Wall Street Stock benchmarks retreated during the first week of the second-quarter earnings season. As some big names shared quarterly results, investors seemed more interested in what might happen at the Federal Reserve's...

Monday, July 15, 2019

The Week on Wall Street Friday, the S&P 500 settled above 3,000 for the first time, after rising 0.78% for the week. The Dow Jones Industrial Average chalked up a milestone of its own: the blue chips ended the week above 27,000,...

Monday, July 8, 2019

The Week on Wall Street U.S. stock benchmarks opened a new quarter positively. The S&P 500 gained 1.65% in the opening week of July; the Dow Jones Industrial Average, 1.21%; the Nasdaq Composite, 1.94%. Overseas, stocks in developed...

Monday, July 1, 2019

The Week on Wall Street A month of gains for stocks ended with a weekly retreat. The S&P 500 lost 0.30%; the Nasdaq Composite, 0.32%; the Dow Jones Industrial Average, 0.45%. In contrast, overseas shares, tracked by the MSCI EAFE...

Saturday, June 29, 2019

This may seem like an odd question, but have you ever thought about how long you should stay married? The traditional idea, and what you often hear in wedding vows, is “til death do us part.” My parents certainly came from...

Monday, June 24, 2019

The Week on Wall Street The S&P 500 hit an all-time peak of 2,964.03, in intraday trading Friday, while improving 2.20% across five market days. The Dow Jones Industrial Average and Nasdaq Composite posted respective, 5-day advances...

Monday, June 17, 2019

The Week on Wall Street Stocks advanced for a second straight week. The S&P 500 benchmark rose 0.47%; the Nasdaq Composite, 0.70%; the Dow Jones Industrial Average, 0.41%. Overseas shares, as tracked by the MSCI EAFE developed markets...

Monday, June 10, 2019

The Week on Wall Street Stocks rallied during a week in which Wall Street was buffeted by headlines. The S&P 500 rose 4.41%. The Nasdaq Composite and Dow Jones Industrial Average respectively added 3.88% and 4.71%. The MSCI EAFE index...

Monday, June 3, 2019

The Week on Wall Street Stocks struggled during a 4-day market week as the U.S.-China trade standoff continued to weigh on the minds of market participants. From the Friday, May 24 close to the Friday, May 31 close, the S&P 500...

Tuesday, May 28, 2019

The Week on Wall StreetStocks drifted lower last week as investors considered the possibility that the world's two largest economies might take some time to resolve key trade issues. The S&P 500 retreated 1.17%; the Nasdaq Composite,...

Wednesday, March 13, 2019

How to get life insurance and protect your mortgage is something that should be taught in every high school across the country. Why? Because home ownership is still a major theme of the American dream. And people typically cannot...

Wednesday, January 2, 2019

What was the resolution you made this New Year's Eve? Was it to make more money? Be less angry? Feel more love? Be less overweight? Can you be guaranteed success in achieving any of your goals? I think so. Here's the key: if you want...

Wednesday, November 14, 2018

Key person coverage is essential in a business, whether you’re small, medium, or international. Key people play many important roles: Has managerial responsibility.Is responsible for sales.Is connected with creditors.Is...

Wednesday, October 10, 2018

One of our strategic partners provides a platform for consumers to purchase term life insurance online. Shoppers can get prequalified, receive a quote, apply, get approved, and have a policy emailed to them within minutes! Not only...

Wednesday, September 26, 2018

$1 million is nothing to sneeze at. If you are someone of limited means, $1 million could be a windfall of extraordinary proportions. Truly a life-changer. On the other hand, if your personal net worth is $100 million, then $1 million...

Wednesday, September 12, 2018

What exactly qualifies somebody as an expert, and do you really need one when buying insurance? People tend to define expertise solely based on knowledge: product knowledge, tax laws, etc. But that doesn't really address the bottom...

Wednesday, August 8, 2018

Most people buy a life insurance policy and stick it in the drawer. Time goes by, and then – surprise! The price goes up. If it's a term policy, the policy renews at an exorbitant rate. If it's universal life, policy costs...

Friday, April 13, 2018

In this series so far, we have discussed the importance of not playing God in business situations – with your clients, with your employees, and in your profession. But this tendency to play God isn’t limited to the career...

Friday, March 30, 2018

You can’t tune into the news these days without hearing a breaking story about sexual abuse. The #MeToo Movement has brought to public attention the travesty of sexual predation that takes place in many industries. While its...

Tuesday, March 20, 2018

When you are in a position of authority and hold significant amounts of knowledge and experience, it’s not a big step to start taking advantage of your power and playing God. In previous articles in this series, we discussed the...

Tuesday, March 6, 2018

We all have a personal history. This backstory of your life not only impacts your identity, your life situation, and your relationships, but it also plays a major role when applying for life insurance. In our introductory article...

Saturday, February 24, 2018

In our last article, we talked about not pretending that you own your clients. You do this by treating them as the freethinking individuals that they are and not taking them for granted. This ensures that they do business with you...

Friday, February 9, 2018

One of the most talked about cultural and societal issues of late is that of sexuality and gender. The #MeToo movement supporting victims of sexual harassment has brought many secrets to light, with influential leaders in many...

Friday, January 19, 2018

We live in a culture marked by striving and entitlement. Sometimes those qualities are positive as they help us reach our goals and achieve great things. But getting what you want in business - and life in general - should be as much...

Tuesday, January 9, 2018

Congratulations for making it to the sixth and final post in the Special Handling series, where we’ve taken a deep dive into the world of underwriting and prequalification, unique challenges that can arise, and many, many...

Wednesday, December 13, 2017

Believe it or not, the holiday season is upon us! For many of us, that means a break from work, time spent with family, and hopefully, some rest and relaxation. Taking the time to unwind during the holidays is much-needed and should...

Thursday, December 7, 2017

If you’ve been following our Special Handling series, you know that we’ve covered prequalification and underwriting and the challenges the life insurance process can pose for different situations. We’ve also spent...

Tuesday, November 14, 2017

Success and money. These are two powerful driving forces in our society. Everyone wants to be successful, and I don’t think anyone would turn down an opportunity to be wealthy. But attaining those things is where the trouble...

Saturday, November 4, 2017

There are some things in life that seem so complicated that we often completely avoid them. In our Special Handling series, my goal is to make sure life insurance doesn’t fall into that category. I will answer some common...

Wednesday, October 11, 2017

If you do a quick search online for “secrets to success,” you’ll end up with a massive list of tips with everything from having vision to taking risks. But in my previous article on spiritual business practices, we...

Monday, October 2, 2017

If you have ever purchased a life insurance policy or even just researched the requirements to start the process, you probably had many questions along the way. Obtaining life insurance can be a difficult endeavor with numerous...

Tuesday, September 26, 2017

When you hear the word, “spiritual,” what comes to mind? The concept of spirituality has taken on a wide variety of meanings, ranging from new age and esoteric to traditional religion to Eastern philosophy. The common...

Monday, September 11, 2017

If you have a credit report (and most of us do), there’s a good chance that you were one of the estimated 143 million Americans affected by the recent Equifax Data Breach. If you have been affected, it’s important to be...

Wednesday, September 6, 2017

In Part One of our Special Handling series, we focused on the key roles prequalification and underwriting play in helping people buy the policy that best meets their needs. Now we turn our attention to additional eligibility...

Saturday, August 19, 2017

Life insurance is a product that almost all of us need. Regardless of whether we purchase policies for the benefit of our family, business, or favorite charity, life insurance can be difficult to acquire. Even those of us in perfect...

Tuesday, August 8, 2017

When someone close to us dies, it turns our world upside down. Whether it’s a friend, a coworker, or a neighborhood acquaintance, death often evokes upsetting emotions. These emotions can go to the extreme when it’s a...

Tuesday, July 18, 2017

Life insurance is not something to mess around with. It is an integral piece of your financial puzzle, without which the rest of your finances could be in danger. We recently discussed the reasons why your life insurance broker should...

Tuesday, July 11, 2017

Your not-for-profit organization is making a profound difference in the lives of those served. You are busy, your staff is busy, your staff is busy, and it’s time to put the pedal to the floor and launch a Major Gifts campaign....

Friday, June 9, 2017

Life insurance is the foundation of your financial portfolio. While you may think that’s an exaggeration, life insurance protects against the most catastrophic loss imaginable, the death of a provider. With so many life...

Tuesday, May 23, 2017

What would you do if somebody told you they wanted to die? After the initial shock, your response would greatly depend on the relationship you have with the person who asked the question. For example, if a family member broached this...

Friday, April 28, 2017

Did you know that only 3 in 5 people have purchased a life insurance policy? Of those who do have life insurance, nearly half have insufficient coverage. Why is that? In my experience selling this product for over 25 years, I have...

Friday, April 14, 2017

Most of us know and understand the value of life insurance for providing financially for our loved ones. Life insurance ensures that your family will be able to pay the mortgage, continue education, and maintain their standard of...

Tuesday, April 11, 2017

Do you know how to die? That’s probably not a question you get asked every day. Most people don’t want to think about it, and I can’t say I blame them. While those in dangerous occupations, such as police officers or...

Saturday, March 18, 2017

Getting old is a challenge. For many people, it is probably the ultimate test in life as they realize they are not invincible and that their mortality is a reality. As each day goes by, their strength, vitality, and overall physical...

Wednesday, March 8, 2017

Many successful businesses are family-owned and operated. You can find family-run enterprises in every industry: manufacturing, construction, real estate, insurance, law, financial services, hotel and restaurant management, and the...

Tuesday, February 28, 2017

Society’s perceptions of marijuana have undergone a drastic change since I was in junior high. Back then, it was normal for schools to assign Tuned Out as part of the curriculum and show “Reefer Madness” in class,...

Tuesday, February 7, 2017

Recent political events have caused people to react in sad, ugly, and hurtful ways. We hear of people cutting off their friends and family based on whom they support, and the internet is abounding with negativity. All of this behavior...

Thursday, February 2, 2017

If you are a business owner, you know that businesses need infusions of cash on a regular basis. Whether you are starting a business or growing an established company, you need capital to get going. Capital, in the form of cash, is...

Saturday, January 14, 2017

It’s a known fact that smoking carries many health effects, such as a higher risk of death, chronic disease, diabetes, and dental issues. But a side effect of smoking that isn’t as obvious is the increased cost of life...

Tuesday, January 10, 2017

As we enter a new year, we often take the time to reevaluate and look ahead with excitement and motivation. Aren’t you thankful that life is full of these second chances? That you always have an opportunity to try again, to grow...

Monday, January 2, 2017

Today I am 60 years old. The Biblical standard for a lifetime is 120 years, so I am at the midpoint. I truly hope the second half will be as exciting as the first. I grew up in the 1960s, and went to high school and college in the 70s....

Wednesday, December 21, 2016

While bigotry and prejudice still run rampant in many ways, America is a country that works tirelessly to fight discrimination. I can’t think of another nation in the world that takes a stronger stance against persecution based...

Tuesday, December 6, 2016

Many people believe that you have to be in perfect health and live a low-risk lifestyle to obtain life insurance, but that’s not always the case. Did you know that you can purchase a life insurance policy at a reasonable rate,...

Wednesday, November 2, 2016

As a business owner, you invest copious amounts of time, money, and energy into your employees. Don’t you want your investment to pay off? Employee turnover can be extremely costly to your business, and this is especially true...

Friday, October 28, 2016

Our parents are often the most important influencers in our lives. As such, our relationships with them can significantly impact the quality and even quantity of our years. I recently laid my mother to rest. She fought a long battle...

Thursday, October 20, 2016

What is one trait that successful business owners share? An attitude of gratitude! Business owners who have advanced in their field don’t forget those who helped them get to the top. They honor their parents, they give credit...

Tuesday, September 6, 2016

As any business owner knows, when it comes to running a company, everyone counts. You can’t bring in money without a salesforce. You can’t count the money without an accounting department. You can’t run the computers...

Monday, August 22, 2016

A recent article in the business section of the New York Times levels some pretty severe criticism of insurance companies. In particular, it reports on alarming increases in the premiums of some universal life products. It not only...

Friday, August 12, 2016

It’s a common practice for business owners to take on partners. While there are many reasons behind why you may want to take this step, there are also some crucial things to consider when entering into a business partnership....

Friday, August 12, 2016

Certified Divorce Financial Analyst™, Michelle Ash has a must-read article about financial issues after divorce in womensdivorce.com. Here’s an overview: The divorce is finally over, the decisions have been made, and now...

Wednesday, July 27, 2016

Owning your own business has many perks and can bring plenty of freedom and success. You may have started a business because you like your independence or you wanted to get rich. You may like a challenge or simply want to build a...

Wednesday, July 27, 2016

When we were children, we often took up some hobby or sport. Maybe it was piano playing, or tennis, or gymnastics. Inevitably, our coach or teacher tried to encourage us with these words: “practice makes perfect”. This...

Wednesday, July 6, 2016

What Is Premium Financing? Premium financing is basically just borrowing money to pay life insurance premiums. High-net-worth individuals and companies use this strategy to obtain large amounts of life insurance with a minimal upfront...

Monday, July 4, 2016

Today we celebrate the independence of the United States of America. Happy birthday, USA! Let’s talk about what independence means from a financial point of view. There are two common ideas related to independence and money:...

Thursday, June 23, 2016

Is passion the key to success? If you attended one of the many college graduations taking place these days, you’d think so. Every year around this time, impressionable graduates are encouraged by the commencement speaker to...

Wednesday, May 25, 2016

What sets the wealthy apart? What helps them rise above the rest and stay successful? The answer may surprise you. The key is not working eighty-hour weeks or hiring a bigger staff. It’s simple, really. Wealthy people say thank...

Tuesday, May 17, 2016

Life insurance is probably the most comprehensively underwritten financial product in the marketplace. Everything from current health, to family medical history, to criminal record, is covered - with various lifestyle and health...

Friday, May 13, 2016

I have been in the life insurance business for 25 years. In a time when people are constantly changing careers or trying to find their niche, a quarter of a century is a long time to stick with something, grow, and succeed. I believe...

Wednesday, May 4, 2016

We’re all aware of the scary statistic that 40 to 50% of married couples in the United States divorce. Yet, many people don’t also realize that divorce reduces a man’s standard of living by 10% and a woman’s by...

Thursday, April 21, 2016

“The great ones separate truth from fact.” (1) This is how mental toughness expert Steve Siebold describes the role perception plays in how we view the world: Champions use their critical thinking skills to make a clear...

Saturday, April 16, 2016

"Champions are driven by emotional motivators” (1) What is it that keeps champion performers going when the going gets tough? Mental toughness expert Steve Siebold teaches that the key is emotional motivators. World class leaders...

Thursday, April 14, 2016

“Champions have an immense capacity for sustained concentration.” (1) Mental toughness expert Steve Siebold describes how champion performers are literally living their dream 24/7: World-class performers invest an...

Thursday, April 14, 2016

I was recently asked this question, and it got me thinking. You would think it’d be difficult to choose just one lesson, but an immediate answer came to mind: “Give a man a fish and you feed him for a day; teach a man to...

Wednesday, April 13, 2016

“World-class wealth begins with world-class thinking.” (1) Mental toughness expert Steve Siebold has this to say about money: either you control it, or it controls you. What makes the difference? The way you think about it....

Tuesday, April 12, 2016

“The World Class Operates From Objective Reality”(1) Mental toughness expert Steve Siebold points out a distinguishing feature of the consciousness of the world class: they look reality in the face. Not only that –...

Monday, March 14, 2016

OK, here’s the scenario: Your broker has worked diligently to prequalify you for coverage. He has identified the most competitive and reliable company, product, and price for you. You approve of his work, and have submitted an...

Monday, March 14, 2016

I am a big advocate of men and women both having careers. However, I am a bigger advocate of children getting the parenting they need. That is why I applaud those households in which Mom can stay home with the kids. Or Dad! Whatever...

Friday, March 11, 2016

Believe it or not, buying life insurance can be a satisfying experience. Like anything else, you just need to know what you’re doing. A lot of it comes down to avoiding the pitfalls that give many people frustration and...

Thursday, March 3, 2016

The religion of political candidates often creates controversy. I recall that people took issue with Kennedy being a Catholic. They did the same with Romney being a Mormon. People are still concerned about Obama’s Muslim...

Wednesday, February 24, 2016

There’s a good chance that when you first purchased a term insurance policy, you were focused on finding a low-cost insurance policy. You were just starting a family, buying a house, and stretching your money thin due to other...

Wednesday, February 17, 2016

People with Post Traumatic Stress Disorder (PTSD) are among the walking wounded. They have been through a lot. They are survivors. In my work helping them to purchase life insurance, I have developed an affection and admiration for...

Tuesday, February 2, 2016

25 years ago I promised myself that I would never again ask anyone for a job. A big move, don’t you think?. What led me to do this? Here is my story. I had been working for a distributor of computer supplies. They were a...

Tuesday, December 22, 2015

I was raised with the adage that you don’t talk religion with clients. This is a rule I have broken many, many times, and happily. I can see the concern of this admonition. Religion is a personal topic, and people believe what...

Monday, December 21, 2015

When men and women buy life insurance, they typically want to make sure the benefit will go to the beneficiary they designate. Is there any reason why a life insurance company wouldn’t follow your instructions? Is Your Child...

Monday, December 21, 2015

When I was a child growing up in the 60s, we were raised to be respectful. We were constantly prodded to say “please” and “thank you.” And “I’m sorry.” Especially if we picked on younger...

Wednesday, November 25, 2015

Life insurance underwriting can be kind of mysterious. Lurking behind the risk assessment lie underwriting classes. You have preferred, and standard, and so on. Does everyone get preferred? Can everyone get preferred? This question...

Wednesday, November 18, 2015

Yes, you should. You have nothing to lose! I get asked this question a lot by clients who originally bought life insurance when they were dealing with a serious illness. Hepatitis. Diabetes. Heart disease. Recent cancer. But that was...

Monday, July 13, 2015

I was featured in an article by Cyril Tuohy on InsuranceNewsNet, “Health Data Leads to Floating Premiums in Some Life Policies.” My opinion was solicited in an analysis of “continuous underwriting.” Here is one...

Monday, June 15, 2015

Some people have a tough time getting life insurance. This is especially true of people with a cancer history. Women with a history of breast cancer can sometimes feel it’s almost impossible to get a policy. But the good news is...

Monday, May 11, 2015

Greedy life insurance companies are NOT out to rip you blind. Men and women who enjoy adventurous hobbies like scuba diving and rock-climbing do NOT have to pay an arm and a leg for coverage. As a matter of fact, the rates charged can...

Monday, May 4, 2015

Wouldn’t you like hundreds and thousands of young people to be your clients? Can you imagine how many prospects there are in their late teens, 20s, and 30s? Think about it. Decades of potential fees and commissions lie waiting...

Wednesday, April 29, 2015

Do you lie in bed worrying about tomorrow? When you wake up, do you wish the day was over already? Do too many things upset you? It sounds like your life is off-track. Think so? No worries. Getting back on track does not have to be...

Monday, April 27, 2015

Are you power-hungry? How much power do you think you can handle? What would be the first thing you would do if you were granted more power? How about reducing the rate on your life insurance? Might as well start at a place where you...

Monday, April 20, 2015

How much privacy would you sacrifice to save money on your life insurance premium? Hey – money is money, right? And life insurance can be pretty expensive! And don’t you deserve a lower rate if you get healthier? But would...

Monday, March 9, 2015

You probably have 1,000 things you would rather think about than life insurance. You probably have 10,000 things you would rather talk about with your spouse. Good news! This topic does not have to be that yucky. We just have to get...

Monday, February 23, 2015

Finding harmony in our lives often seems like a lofty idea. But you know what? It’s easier than you think, especially financial harmony: The key is finding a way of managing your money that works for you. Find out what works for...

Monday, February 16, 2015

But of course the marriages of our favorite stars get tested all the time. They do face all kinds of trials. Like you and me, they have to get down and face reality to make the best of it. Or, reality beats them. Take Anna Faris and...

Monday, February 9, 2015

I love contrarians. Since I am a contrarian myself, I have a special affinity for others who will “buck the trend” in an honest pursuit of truth, honesty, and sanity. Noah Berlatsky is one such trend-bucker. He takes on...

Monday, February 2, 2015

When’s the last time you had an honest conversation with your partner about money? Financial blogger Crystal Paine talks with her husband all the time about everything – especially their finances. They seem to have made...

Monday, January 12, 2015

People are connecting these days in a multitude of ways. Social media technology is making a lot of it happen. At the same time, more traditional forums are being reevaluated for their potential to bond with others… …and...

Tuesday, January 6, 2015

President Obama may be taking a less punitive approach in his drug policy. Jacob Sullum reports in Reason.com that halfway into his last term, the president is apparently reconsidering the aggressive role the federal government has...

Monday, January 5, 2015

You probably don’t think there’s much to learn from marriages sixty years ago. A lot has changed since then. Today we have many marriages in which both spouses have careers. Nannies and babysitters are virtual members of...

Monday, December 22, 2014

Are you unintentionally destroying your spouse? We often slip up into thinking that tackling the “big stuff” in life is the hard job. Once you’ve got those issues taken care of, it’s easy to overlook the (very...

Monday, December 15, 2014

You may know some people who think that marriage is a quick and easy way to get the romantic, carefree life they’ve always wanted. They think that marriage is a way to make life easier. To a certain extent that’s true. The...

Sunday, December 14, 2014

How do you know when you’re ready for marriage? Different cultures have different customs and laws with regards to marriage. In some places, early or child marriage is prevalent. This practice often offends Western sensibilities...

Thursday, December 11, 2014

Do you know someone who’s autistic? Chances are that you do. One out of every sixty-eight Americans is on the autistic spectrum. It’s true that a general understanding of the spectrum has only very recently hit mainstream...

Wednesday, December 10, 2014

Leadership isn’t easy. A lot goes into organizing and inspiring a team, overseeing and delegating tasks, and making course corrections in light of the results. I think that we’ve all benefited a lot over the past decades...

Monday, December 8, 2014

I think that it’s impossible for two people to live with each other without coming into conflict. Whether due to difficult circumstances that arise or personal baggage that hasn’t been resolved yet, issues come up. But...

Tuesday, August 12, 2014

It is well-known that insurance applications ask about the smoking of tobacco. Here is an example: 1 Do you use tobacco in any form? 2 If yes, what type of product(s) have you used? 2a Cigarette? 2b Cigar ? 2c Pipe? 2d Smokeless? 3...

Wednesday, June 11, 2014

ALS, also known as Lou Gehrig’s disease, is very serious. It is virtually a diagnosis of terminal illness. As such, life insurance underwriters typically do not make offers. A few guaranteed-issue products that are good for...

Friday, May 30, 2014

Throughout my career in the life insurance industry, I have come across an amazing number of people with a criminal record. Some examples include: a male teacher having sex with a (willing but technically underage) girl (and not his...

Wednesday, May 28, 2014

The world of medical technology never ceases to amaze. New and improved diagnostic studies, procedures, and lab tests are constantly being invented. As you can imagine, life insurance companies eagerly avail themselves of these tools....

Saturday, May 24, 2014

Epidemic and pandemics are of great concern to life insurance companies. Diseases that can significantly increase the probability of early death or disability are watched like oncoming cyclones. Emerging cultural attitudes and changes...

Thursday, May 22, 2014

Michael Reagan, the eldest son of Ronald Reagan, recently disclosed to the world that he is a survivor of sexual abuse as a child. If there’s one thing I’ve learned while helping survivors of abuse to get life insurance,...

Wednesday, May 14, 2014

A recent court case in Colorado illuminates one potential problem when a life insurance application contains erroneous information. Here are the facts: A life insurance agent miswrote the age of the insured/applicant on the...

Sunday, April 27, 2014

This idea is not as strange as it sounds. I will tell you why. First of all, the life insurance marketplace is very complex. Hundreds of companies are licensed to sell policies. A wide variety of products are available, each with...

Friday, April 11, 2014

People are going crazy with selfies. President Obama raised quite a stir with his selfie at Nelson Mandella’s memorial service. Then, baseball star David Ortiz raised a ruckus with his selfie at the White House. All harmless fun,...

Tuesday, April 8, 2014

One of the primary reasons why people buy life insurance is to pay for their kids’ college. Let’s suppose Mom and Dad have been putting away money for that expense. Tragically, one (or more horribly, both) meet an early...

Monday, April 7, 2014

Good questions indeed. Norwegian sky diver Anders Helstrup is probably asking them right now (if he isn’t, I’m sure his wife is). Did you catch the video he recently posted on Youtube? It shows him sky diving, when –...

Friday, April 4, 2014

Okay, here is the situation: you’re a doctor, and you want to buy into a new practice. You have been approved for the bank loan, but the lender wants you to have life insurance in force to cover the debt. This is par for the...

Wednesday, April 2, 2014

A clean slate in life is treasured by almost everybody. People across generations and across cultures have known the importance of a “fresh start.” Those who believe in “life after death” don’t want to...

Sunday, March 30, 2014

Estate planning attorney, journalist, and organized mom Bonnie Bowles of the Denver Examiner offers keen insight into the advantages trusts have over wills, when trying to protect the money in your estate. And you know what? Life...

Friday, March 28, 2014

Political commentator and columnist John Hawkins just gave America an uncompromising look at itself in Townhall.com. His essay is entitled, “5 Things America Should Still Be Ashamed of Doing.” I want to publicly thank him...

Wednesday, March 19, 2014

What are the best ways to give money to charity? Here are a few options: Sell your share in a business. Rohini Nilekani, wife of Infosys founder Nandan Nilekani, just sold some of the shares she owns in that company. She intends to use...

Tuesday, March 18, 2014

Life insurance is often purchased to leave a legacy to the next generation. People buy life insurance in order to… Take care of their family obligations Make sure income is replaced Secure their business interests Provide money...

Thursday, March 6, 2014

Does your life insurance broker have a bad attitude about women? When I say bad attitude, I mean patronizing, belittling, or otherwise treating them as secondary players in family decision-making. Unfortunately, it is highly possible...

Wednesday, March 5, 2014

Dating websites can be pretty personal with their profile questions. Yet, how many ask about preference in life insurance product? What is that? You don’t think they should? Of what relevance to marriage is the selection of a...

Sunday, March 2, 2014

Term life insurance gets a lot of press these days because it can be cheap. But, as is usually the case, you get what you pay for. There are many other considerations when buying life insurance. Once you take them all into account,...

Thursday, February 20, 2014

Financial writer Amy Fontinelle has an excellent article today in Investopedia. She asks, “Is Your Employer-Provided Life Insurance Enough?” Her answer is basically, no – it is not. I think her conclusion is...

Tuesday, February 18, 2014

When a couple is unfortunately reaching the end of their marriage, they need to know how life insurance can help with a divorce settlement. Yet if you’re going through the heartache of a divorce, one of the last things you may...

Sunday, February 16, 2014

You purchase a life insurance policy to provide financial security for your family. You are attracted to the guarantees of the product, and to the financial strength of the carrier. You think through the amount needed, and budget for...

Thursday, February 6, 2014

A recent article in USA today states that older workers may still need life insurance. This is true. Here is what you need to know: 1. If your spouse is still dependent on your income, you will need life insurance for income...

Tuesday, February 4, 2014

How to get life insurance and plan your estate? That was a topic recently discussed by two close friends and business owners. Ross, a 50-year-old manufacturing industry executive, sits down for lunch one day with long-time friend...

Tuesday, January 28, 2014

Purchasing life insurance for income replacement is not exactly a popular activity. The traditional worldview saw death as a part of life. In modern times, we separate the two. The subject of death is something we try to avoid. Oh...

Tuesday, January 21, 2014

How to Choose Between Term Insurance and Permanent Life Insurance? The Youngest Son Replies. A Family Discussion is Completed (click here for Part 1, and here for Part 2) “How to choose between term insurance and permanent life...

Tuesday, December 31, 2013

How to Get a Life Insurance Quote: One of the Big Questions in Life “How can I get a life insurance quote?” This is a question men and women across the country are mulling over. It ranks right up there along with the other...

Tuesday, December 17, 2013

Many veterans with PTSD (Post Traumatic Stress Disorder) are denied life insurance. Why does this happen? And, how can these declinations be turned into approvals? My firm has helped many people with this condition purchase a policy....

Tuesday, December 3, 2013

In a prior post, some issues related to procuring life insurance by people with a history of prostate cancer were discussed. Eligibility for coverage was looked at from both a medical, and also a lifestyle point of view. Specific focus...

Tuesday, November 26, 2013

Celebrities often receive criticism for their fantastic lifestyles and enormous egos. However, one plus side of celebrity status is that they can draw attention to issues and problems facing the rest of society. Here is an example: In...

Thursday, October 31, 2013

Today’s column is a tribute to my father, Leon Kobrin, who just passed away. He brought me into the life insurance business. I owe him a debt of gratitude for doing that. My father entered the industry after a successful career...

Thursday, October 31, 2013

I can help them purchase life insurance. They need the direction of a broker who specializes in these cases, and who can help them get approved at the rate quoted. About the prostate I have found that many of my clients who have a...

Thursday, October 31, 2013

Breast cancer can certainly affect mortality, and is therefore a focus of concern for underwriters. Here are some sobering figures from the American Cancer Society that show why: “In 2013, an estimated 232,340 new cases of...

Thursday, October 31, 2013

I can help them purchase life insurance. They need the direction of a broker who specializes in these cases. The fact of the matter is that most people are insurable, and at a reasonable rate. The key is working with a broker who a)...

Wednesday, October 30, 2013

What do the martial arts mean to me and what exactly am I getting from them? These are my thoughts from my heart and not my head.... I practice martial arts because I really want to grow my business. My life insurance brokerage has an...

Sunday, October 13, 2013

The purchase of life insurance seems to contradict human nature. Why would people buy a product which serves the interests only of others and not themselves, and does so when they die? Certainly, life insurance can have a living...