Do you hesitate when considering talking to your client about converting their term life insurance? Perhaps you don’t understand how the conversion works or think that you will do a lot of work but won’t get paid! There are many misconceptions about converting term life insurance policies to permanent plans. True, it does have to […]

Are you hesitant when considering asking your clients about their current life insurance benefit plan? Or perhaps it’s not so much asking them about it, but the concern about having to gather too much information regarding their current plans to do a proper policy review.  You may also hesitate because it will take time you […]

When your clients are looking for a way to secure a loan, a life insurance policy may be the best bet. In some cases, your client may be required to purchase life insurance to secure their loan.  There is a right way and a wrong way to use life insurance with a loan. Why give […]

There are many good reasons to replace your client’s life insurance coverage. They may have reached the end of their level premium period and costs are going up.  They may need more coverage or want permanent coverage instead of term.  They may want to try and lower their premium payments.  All great reasons to replace […]

It is a new year; a fresh start; a time to begin new plans. Even though you may make some great new goals for yourself, most will fail. In fact, a staggering 80% of New Year’s resolutions fail by the second week of February! So how can you set yourself up for success in 2018? […]

Cyber Monday! Black Friday! Shopping ads coming at us like bullets.  Shop, shop, shop.  Spend, spend spend!  Don’t get me wrong, there are a lot of good deals out there right now that you can take advantage of but in the long run, do we really need all that stuff?  Today, with credit card and online […]

Why more Americans are not purchasing life benefits with a chronic illness or long-term care rider is beyond me! It should be a no brainer, a slam dunk.  Where else can you create a pool of money so quickly, with the first payment, that will take care of you while you are living or take […]

August has been quite a month! Personally, I have now experienced two things that will change my life forever.  You may recall my last post, “Mom Would Have Liked it”, concerning the passing of my mom. The last weekend in August a big bully, Hurricane Harvey, blew through and devastated a good part of Texas […]

My mother passed away last week. I don’t tell you this for sympathy because my mother was 90 years old and had a wonderful, full life.  However, her quality of life had gone down quickly over the past year and she simply died of old age, just like we all hope to do. I am […]