September 12, 2018

For Clients’ Sake, Take Control

If there is one singular lesson I have learned from 45 years in the insurance and financial advice business, it is to motivate the public to buy insurance when they least desire it. Insurance carriers are in the business to manage risk. Buyers of coverage need to purchase coverage when the perceived risk is minimal…. Read More

July 2, 2018

Deck’s Blog: What your clients really want

As we conclude the first half of 2018 and look into the crystal ball for the next 6 months, it is apparent that an increase in interest rates has given a boost to the life insurance and annuity markets. Some of the key developments that have helped increase sales and generate enthusiasm are: Guaranteed interest… Read More

December 19, 2017

2017 Milestones: Looking ahead to 2018

2017 brought about the celebration of the 30th anniversary of our company. Now that it is the holiday season, it’s a great time to reflect on the last year, 10 years ago, 30 years ago, and what changes may lie ahead. 30 years ago in order to be successful in brokering business you needed a toll-free… Read More

February 28, 2017

Post-DOL rule 2017

The mystery surrounding how to best work with the proposed DOL regulation changes is still not evident or clear. There are rumored delays, implementations by larger broker dealers happening in April, and comment periods that give very little time for any review. With all the confusion surrounding product availability, compensation and new procedures, it is… Read More

December 20, 2016

2017 and Beyond

Tweet As we complete another successful year in the life insurance and annuity business, it is apparent that interest rates may have finally come alive. This will have a positive effect on the pricing of both life insurance and annuity products going forward.The life insurance industry will respond quickly to these improvements by offering products… Read More

June 30, 2016

Offering the right LTC solution

Tweet Long Term Care Insurance is one of the most sought after types of coverage by the public, yet the most difficult type of insurance to properly represent. The specific details for each and every client vary widely. The solutions are likewise.We believe the optimal solution is to take a CONSULTATIVE approach for each prospective… Read More

March 8, 2016

A Closer Look at the Facts

Tweet (courtesy of Securities Industry and Financial Markets Association) Take a closer look at the facts regarding the Department of Labor’s (DOL) Fiduciary Proposal. As the DOL proposed Retirement Regulation moves forward towards a final rule, we remain concerned about its impact on low- and middle-income investors. Numerous studies have challenged DOL’s sweeping generalizations and… Read More

February 19, 2015

Managing Volatility

Tweet Ten months ago my comments focused on the fact that U.S. 10-Year Treasury interest rates were rising which would assist with better insurance offerings. As late as January 1 of this year the same trend of increasing interest rates seemed to be intact. However, we are once again experiencing just the opposite interest rate… Read More

August 16, 2012

I woke up earlier than normal at 5:20 A.M. this morning, for no particular reason. At that same moment, approximately 500 yards from our home and in the quiet of a beautiful Indiana morning, a car veered off the road and hit a pole head-on. Its two passengers became trapped inside. At 5:30, I heard the… Read More