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Category: The Conscious Consumer

Thoughts on why people buy – or postpone buying – life insurance. I often call upon studies of neuroscience, psychology, religion, and spirituality to explain consumer behavior.

How Can I Make My Dreams Come True?

Floating in the middle of the sea south of Thailand, there is a fishing village called “Ko Panyi.” The kids there loved to watch soccer, but had nowhere to play or practice….but they didn’t let that stop them. In 1986, inspired…
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Should I Buy Life Insurance For My Cat?

Estate planning for pets is a big field now. The majority of American homes have one. Attorney Rachel Hirschfeld points out that pets are property, so their care becomes an issue if the owner predeceases them. This is especially true…
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The Basics of Premium Financing

The Basics of Premium Financing

What Is Premium Financing? Premium financing is basically just borrowing money to pay life insurance premiums. High-net-worth individuals and companies…
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celebrating fireworks

Financial Independence vs. Independent Wealth

Today we celebrate the independence of the United States of America. Happy birthday, USA! Let’s talk about what independence means from…
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What are the Habits of Wealthy People?

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 you.…
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5 Reasons Why You Should Disclose Your Prior Drug Use on Your Life Insurance Application

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 factors in between. Many people are not comfortable…
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Three Tips for Securing Life Insurance for a Divorce Settlement

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 almost 30%. For these reasons,…
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Did Prince Have a Will?

A Prince insider is reporting that the great musician did not have a will at the time of his recent, sudden passing: EXCLUSIVE So far, no one has shown up with a last will and testament for Prince. I am…
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Champions See Life Insurance as an Eternal Gift

“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…
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Champions Cross Big Emotional Hurdles When Purchasing Their Life Insurance

“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 know the secret to motivating…
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