Impoverished areas dotting the coasts of Nigeria, Somalia, Malaysia, Indonesia and the Philippines have been virtual breeding grounds for partially-organized collections of criminals seeking to steal, hijack, kidnap and murder their way to fortune (“fortune” is probably too strong an assessment as most persons in question eke out a minimal existence for themselves and their […]
The ability to bring your client something that others can’t will set you apart and ultimately make you a star. Right now, one of the hottest platforms of the disability insurance industry is guaranteed-issue (GSI) coverage. GSI products are becoming more mainstream outside of the traditional group insurance and employee benefits marketplaces. They are easily […]
The Small Business Administration and countless non-governmental, commercial banks lend billions of dollars in capital to tens of thousands of American professionals every year. Those professional men and women are your clients and your business prospects, and many make the serious mistake of assigning personal disability policy benefits to lending institutions in cooperation with business […]
Ever since Reefer Madness was released in the 1930’s, through the counter-culture era of the 1960’s, to the beginning of the 21st century, America remained at war with weed. Marijuana has historically been persecuted similarly to “harder” illegal drugs by state and national legislatures and law enforcement, creating moral hazards that are just now being […]
Now that the busy holiday season has passed and before we enter the sometimes dreaded tax season, it is the perfect time to stir-up insurance business among your own client lists. Believe me, there are plenty of potential sales and premium awaiting you in those old files. Familiar names and faces make for great clients, […]
As most of you are well aware, especially you health agents, we are nearing the end of the Affordable Care Act’s open enrollment period. In its current form, the Affordable Care Act has failed millions of Americans. Protocol and logistics nightmares and coverage shortfalls are becoming more and more evident as increasing numbers of U.S. […]
I recently returned from an incredible trip to the island of Bora Bora in French Polynesia. The tiny speck of land is located 2,500 miles south of the Hawaiian island chain and its superb isolation is much celebrated. The crystal water and fine white sand beaches are the most beautiful I have ever seen as […]
Disability insurance is the greatest resource Californians have in protecting personal income against the very real threat of unforeseen and debilitating illness or injury. A 2013 study by Cornel University found that 8.5% of working age, non-institutionalized Californians are disabled. A relatively small and recently shrinking collection of American insurers offers a wide range of […]
As “Generation Y” or “Millennials” as they are now so commonly referred are flooding the American workforce, their more seasoned counterparts, the “Baby Boomers”, are becoming stacked at the opposite end of the career timeline. Boomers came into adulthood during the Vietnam War and saw this country through many political and socioeconomic changes. They worked […]
Heroes are an important part of culture and civilization. Heroes stir the imagination of the mind and motivate the romance of the soul. A world without heroes would be a colorless and drifting world. Leaders study heroes. A knowledge of the past and the handling of crisis by heroes helps determine the plan of action […]