March 14, 2019

Why is Life Insurance Different?

With auto insurance, if you get into an accident… premiums go up. With home owner’s insurance, if your neighborhood crime increases… premiums go up. With flood insurance, with very little notice/reason… premiums go up. What about Life Insurance? If structured appropriately, you can CONTROL your premiums by purchasing at a time when you’re a favorable… Read More

February 19, 2019

Long-Term Care… How do YOU help?

70% of people at 65 or older will need some form of Long-Term Care (longtermcare.acl.gov). Cost varies by state, but here are the national averages (ALTCP.org)… Private Room: $100,380 per year Semi-Private Room: $88,344 per year Home Health Aide: $50,664 per year And recall… this is on top of your normal living expenses (house payments,… Read More

October 15, 2018

Opportunity Cost vs Opportunity Lost

Do you have clients sitting in savings, CD’s, and money market accounts? We hear way too often that clients are thinking rates will be going up so they want to stay liquid and just keep their money on the sidelines. So they’ll give up a fixed annuity rate of 3.40% today because they’ve heard that… Read More

October 1, 2018

Ben’s Corner: New Parenthood

Ben and his wife are enjoying the new journey and joy of parenthood!    

October 1, 2018

Insurance Works but How Will It Work for THIS Consumer

We know why insurance works and many consumers know why it does (in traditional ways) as well. The key to following through is finding out why it would work specifically for the client in front of you. We have to identify what motivates the buyer in front of us. Is their main goal not leaving… Read More