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.
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. They want to make as…
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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, it’s that…
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Life insurance is often confused with other forms of insurance, and with investments. When people do this, they tend to incorrectly assess the value of the product. The fact of the matter is that conventional cost-benefit analysis is insufficient by…
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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 application. He made her six years…
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From a life insurance underwriting point of view, marriage is neither a deal-maker nor a deal-breaker. I have been able to get policies for a man and woman who were legally-married partners; two men who were legally-married partners; two women…
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In celebration of Mother’s Day, we will talk a bit about life insurance for a stay-at-home mom. Here is our scenario: Mr. and Mrs. Jones are a young couple in their late 30s. He is an executive with a major corporation.…
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Life insurance is part and parcel of estate planning. Religion can play a primary role in that planning. In doing so, it can influence the purchase of your life policy. Attorney Martin Shenkman writes about how religion can fit into a…
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Many of my clients are military veterans. Some served in Vietnam, some in Iraq, and some in other distant lands. A lot of them are dealing with a serious medical issue. Post Traumatic Stress Disorder (PTSD) is common. It often…
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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, however inappropriate.…
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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 demise.…
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