For those interested in how life insurance checkups work, I thought I’d provide some case studies. The first one is on Brenda, a physical therapist in New Jersey. She came to me after her recent divorce with doubt about whether her current life and disability policies were optimal and would do what her agent said […]
I just read a tutorial for bloggers suggesting reader-centered-what’s-in -it-for-me writing. Usually that’s what I do, but not today. Instead this will be a window into the state of the heart of the Cave family. Out of the abundance of the heart the mouth speaks. This last year has been the most emotionally challenging of […]
Moderating or even skipping life insurance can strengthen the widowhood most wives will experience, if those premiums are invested well. Doesn’t seem right? It’s a paradox. There are many economic paradoxes: using a home equity loan to get that new car or vacation “you deserve” ends up reducing long-term life style, raising tax rates decreases […]
Some people are so convinced of how great their insurer is, that they cannot see any benefit from outside advice. Nothing could be further from the truth. Perhaps the best way to illustrate this is by example. I just finished a life insurance review that illustrates the dramatic potential for improvement within the same company. […]
Part of my routine involves talking to insurance agents around the country. Usually I am chasing down a report on an in-force policy and sometimes aligning a client with an agent to sell them a policy. But it’s interesting the telling vignettes I encounter, including two just this morning. The first today was on behalf […]