Blog

How to Squander Your Fortune

Do you ever think about what you would do if you were rich? It would be wise to learn from the mistakes of others. Here are some examples of what not to do when you have your millions. They are… Read More

Economic growth = Income growth = Upward Mobility

This guest editorial in the Wall Street Journal was written by Robert Grady, who is a director of a private equity fund, the chief economic adviser to New Jersey Gov. Chris Christie, and chairman of the New Jersey Investment Council.… Read More

“I thought I was managing my depression well enough, but my doctor’s records say otherwise”

My office has been able to procure an approval at preferred non-smoker rates for our client who has been managing depression of a number of years. One challenge was that his medical records appeared to indicate a certain amount of… Read More

Heroic Women at the Birth of a Nation

This essay illuminates the key role played by women in the liberation of the Hebrews from Egypt, and the rise of Moses as their leader. Yocheved, Miriam, Shifrah, Puah, Zipporah, and Pharoah’s daughter each acted decisively at key points in… Read More

“I had a cigar a few months ago – but that was the last! (I think)”

What would you do? Today’s case: “I had a cigar a few months ago – but that was the last! (I think)” Our client stop smoking cigarettes several years ago, but stopped smoking cigars only several months ago. Several carriers… Read More

How Veterans with PTSD Can Get Good Life Insurance Rates

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. Let’s take a… Read More

Joint Survivorship: When One is More Than Two

An article, written by Veronica Daugher, does a fine job of identifying the potential benefits of joint survivorship and a two-insured life policy. These include: Daugher writes that the premium for two people in a joint survivorship policy is frequently lower… Read More

Fail and Fail Again

This essay portrays how successful people in all walks of life – the arts, business, and governance – must persevere in the face of numerous setbacks. A firm belief system, and the ability to see the “big picture”, are essential.… Read More

How to Get a Life Insurance Quote Without Risking a Formal Application

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… Read More

Minimum Wage = Minimum Accomplishment

We need an incentive to improve ourselves. Journalist, activist, and business owner John Hawkins makes this point. I think he is right because people relish a sense of pride and accomplishment. We improve ourselves, we increase our value to our… Read More