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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...

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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...

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...

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...

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...

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...

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...

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...

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...

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...

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...