Never Make Your Bank a Beneficiary
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 […]
A Necessary Evil…Replacement Forms
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 […]
Your Client’s Life Insurance Could go up in Smoke!
Are you a smoker? What does that question really mean? Nearly 40 million US adults, about 15%, still smoke cigarettes. Every day, more than 3800 youths under the age of 18 smoke their first cigarettes, despite the health warnings! And, according to the CDC, tobacco kills up to half of its users. Tobacco kills more […]
New Habits for Success in 2018
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? […]
Too Much Stuff
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 […]
5 More Reasons to Offer Life Insurance with Living Benefits
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 […]
5 Things I Learned From Harvey
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 […]
Mom Would Have Liked It.
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 […]
Is the Question “If” I Die or “When” I die?
You know, we are not immortal. Many of us may think we are, but in the end, we are not. That is why, if we are smart, or for us that are in the life insurance business, we are smart enough to help our clients with their planning by explaining to them the difference between […]
What is the big deal about “Lack of Candor”
On occasion, individuals like to play “Truth or Dare” with life insurance companies. Sometimes it is deliberate and sometimes it’s not. Those doing it deliberately are basically not providing honest information to the carrier. Can’t they just go back to the carrier and say “Oops, sorry, I forgot!”? Lack of candor or being dishonest to […]
