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 […]
What a crazy year it’s been. Deadly terrorist attacks continuing at home and abroad, political and social turmoil surrounding the Presidential race, and Ryan Lochte at the Rio Olympics! I think America needs a break. Here at Petersen International, we have enjoyed a beautifully organized chaos throughout 2016. It’s been another busy and prosperous year, […]
The practice of underwriting insurance is a fine mixture of art and science. To be successful, it takes a lot of common sense, even more experience and a well-rounded team of experts. Time and practice are the true keys to the profitable underwriting of life, health and disability insurances. As you can probably imagine, factors […]