A couple of the top-rated life insurance carriers I work with are now offering true non-tobacco rates for tobacco users that don’t smoke cigarettes. Make no mistake: these aren’t gimmicks like small face amount policies or products that are priced so poorly to begin with it isn’t a big deal. Term life and permanent policies […]
Last week while we were all feeding our faces like gluttons over the Thanksgiving Holiday our government’s gluttonous spending reached a new milestone: our National Debt hit $18 Trillion. That’s Trillion with a T! If you like to see zeros it looks like this: 18,000,000,000,000. I don’t want to get too political and I certainly […]
Recently there has been some press about a State of New York regulator looking into the sales practices of Indexed Universal Life carriers. IUL sales are growing like a weed, up 13% in first six months of 2014 and up from nothing to over $2B in a decade or so. Growth typically invites scrutiny. The […]
Joe Client is 45, male, a non-tobacco user, and his health suggests a standard rating. He calls two agents and they both agree to “run some numbers” for him. Joe wants to max fund a policy with $1000/month for 15 years then stop paying and when he’s 66 (year 21) start pulling out cash as […]
I’ve already lost a lot of eyeballs with my relatively tame, non-provocative title. I’m sure a title like “Real Photos of Aliens Storming City Hall” would generate more views. Make them naked aliens and I’d generate even more page views. There is a great deal written about our shortening attention spans as a society. I […]
Yesterday I had brunch with an entrepreneur friend of mine. A few weeks ago, he’d shared with me some of the new projects and initiatives he was taking on in his business. After we’d ordered, he simply remarked to me, “Dave, man, all this stuff (with the business) has me really stressed out….” I normally […]