Happy New Year, and welcome to 2020. We not only begin a new year, but a new decade that we are cautiously optimistic will bring prosperity to more Americans and hopefully a lessening of the political and socioeconomic turmoil the country seems to be enduring as of late. The previous decade has seen our beloved […]
The festivities of the holiday season are well upon us. Like the rest of your fellow Americans, you are now under the constant bombardment of twinkling lights, plastic garland, nostalgic movies on every television channel, corny Christmas tunes escaping elevator speakers, the daily onslaught of Amazon boxes on your doorstep and of course, the building […]
Millions of Americans travel outside the United States every year for business and pleasure. Most venture to generally innocuous locales which are familiar or which they feel a sense of safety; although the most generic and democratic cities of North America, Europe or Asia can harbor diverse forms of criminality and danger. Yet others choose […]
In the realm of big business and high finance, the term “rainmaker” holds substantial clout, influence and respect. Defined as “a person who generates income for a business or organization by brokering deals or attracting clients or funds”, a rainmaker is a key employee or business owner, usually a go-getter who is mainly responsible for […]
No matter how long you have made a living in the financial services industry, you are at the very least somewhat aware of the amount of time and usual care that goes into the underwriting of insurance policies by carriers. Insurance companies employ learned, specialized professionals to analyze risk and weigh the financial gain of […]
This has been an extra eventful fire season in California. Here in the southern part of the state, the infamous Santa Ana weather phenomenon has produced record-breaking wind patterns in the last couple of months that have produced sporadic gusts over 70 miles per hour, wreaking havoc on trees and power lines all over this […]
Life and disability insurance sales are often hampered by a commonly occurring problem – impaired risk. “My client takes meds for depression. My client has a leaky heart valve. My client has been arrested for DUI. My client is too heavy for his/her height. My client was recently diagnosed with Parkinson’s. My client has HIV. […]
A DI expert looks at the disability income market and what can be done to increase agent involvement in DI protection solutions. What are your assessments of the individual, group, business, and excess disability markets today? The specialty and high-limit DI market is strong, but we have seen a relative plateau in IDI business and […]
Without financial protection of one’s paycheck, a person stands to lose their single most vital source of economic freedom. Income provides for the necessities for one’s family – it pays for food, shelter, transportation, education, healthcare and all of the other bills and costs the average American encounters on a daily basis. It also allows […]
Life insurance is naturally very important to persons who fly airplanes or helicopters for either work or recreation. Although advances in aircraft technology, flight practices and pilot training have made traveling by air generally safer than riding in an automobile, accidents do happen and planes do crash. Many hundreds of American pilots and their passengers […]