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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.

TAKING A KNEE – FOR THE FREE MARKET

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 the league.…
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WHAT I DON’T WANT WITH MY MEDICAL INSURANCE

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 of the population has coverage. The vast majority of…
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DO YOU KNOW WHAT MAKES SUPER-RICH PEOPLE DIFFERENT?

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, they don’t…
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CONSUMERS STILL NEED THE EXPERTISE OF PRODUCT SPECIALISTS

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 true…
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HOW TO GET LIFE INSURANCE AND PROTECT YOUR MORTGAGE

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 finalize…
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PURCHASING TERM INSURANCE ONLINE – A WAVE OF THE FUTURE

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 that – they…
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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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HOW TO GET THE MOST OUT OF $1 MILLION

$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…
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HOW POLICY AUDITS PREVENT LIFE INSURANCE COST INCREASES.

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,…
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SEXUAL ABUSE AND LIFE INSURANCE

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 about sexual issues…
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