During the Haiti crisis in the mid-90’s, I was a young sailor on watch. It was a calm, quiet, typical Caribbean sunny day and we were just off the coast…
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As we get older and enter retirement, some decisions need to be made regarding insurance coverage. We know from our own experiences with elderly parents – and from what we…
One of the first things I realized when I started in this business was the need for long-term care insurance. It was clear then, and is still true today, that…
Life insurance agents created the financial planning community, and sadly their own was damaged in the process. Can recent regulation spur a rebirth? Needs-based selling, where an agent gathered pertinent…
With four kids to raise, I have always maintained a good amount of life insurance coverage. Over the years, I have made changes from time to time to take advantage…
Back in the 90’s I sold a lot of variable annuities. I worked for a large financial services company that strongly encouraged the use of variable annuities and there were…
Buying and maintaining life insurance policies is a pain. On the surface, it seems like a pretty simple transaction but it is actually one of the most complex pieces to…
Updated: October 2017 Myth: Cash value life insurance is one of the worst financial products available. Truth: Many lives will be financially devastated by Dave Ramsey’s advice on life insurance….
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