Article Library

Glenn Neasham: victim of geography?
Article posted by Stephen Forman
Rather than re-hash Mr. Neasham's case, I'd like to make my point by contrasting his with a recent crime blotter which appeared on the Washington State Insurance Department's site. Quite different from Glenn Neasham's story, isn't it?

Is whole life insurance a rip-off?
Article posted by Ronald Pawlikowski
"Is whole life insurance a rip-off?" That is an actual question I received from a potential client, albeit many years ago. And it’s not a bad question, given the media’s treatment of whole life over the years.

America's rent-seeking economy: the new normal
Article posted by Larry Doyle
With rent-seeking redistribution programs benefiting those occupying both the uppermost and lowest rungs of our economic ladder, America's great middle class is receding further and further into the rear view mirror.

​5 reasons every advisor should consider Social Security marketing
Article posted by Jonathan Musgrave
If you are new to Social Security marketing or simply confused by the sudden hype, this article is for you. I’ll share five reasons why Social Security optimization is perhaps the biggest marketing opportunity you will encounter in your career as an advisor.

7 secrets of successful mastermind groups: If I only knew then what I know now
Article posted by Jeffrey Reeves
For most of my life, that uncompromising independence denied me the support of well-intentioned family, friends, colleagues and like-minded entrepreneurs. Over the past decade, mentors, self-education and experience revealed to me the secrets of forming and operating successful mastermind groups.

Buy term and “invest” the rest with indexed universal life
Article posted by Sheryl Moore
These “buy term and invest the difference” folks would suggest that you take the difference between the premium that you would have paid in whole life insurance and what you are actually paying for your term insurance premium, and invest it? Some sales idea... Too bad it doesn’t work!

Digital generation investors don’t trust you — here's why
Article posted by Amy McIlwain
Check out the two graphs below which illustrate the existing relationship-perception gap between advisors and and the digital generation of investors.

IUL lawsuits: Are lawyers salivating over your E&O?
Article posted by Rodney Ballance
There is a reason why we have to hold securities licenses to sell securities. It is a whole different world from selling fixed products. If you don’t have a full understanding of contributing factors and their direct and indirect impact on economic issues, you are playing with fire.

LIMRA study reveals how important agents are to beneficiaries
Article posted by Jennifer L. Douglas
LIMRA’s study quantitatively proves how valuable and valued life insurance agents are. But more than that, the study underscored the ways in which agents make a very difficult time a little easier for families who’ve just lost a loved one.

LTC partnership programs as the missing piece in state budgets
Article posted by Vanessa De La Rosa
At this year’s annual Million Dollar Round Table meeting in Philadelphia, I had the chance to conduct interviews, experience inspirational Top-of-the-Table speeches and sit in on many focus sessions. Among the most interesting was Phyllis Shelton’s focus session, “What you need to know NOW to stay in the LTC insurance market,” in which she explained why opportunities for advisors in the LTCI market are better than ever.

7 ways to be more extroverted
Article posted by Michael Goldberg
Don’t save your small talk for the elevator. Think of all the times you were just going about your business and you could have struck up a conversation with someone influential (or anyone really) where there was a chance to create an opportunity.

​5 reasons every advisor should consider Social Security marketing
Article posted by Jonathan Musgrave
If you are new to Social Security marketing or simply confused by the sudden hype, this article is for you. I’ll share five reasons why Social Security optimization is perhaps the biggest marketing opportunity you will encounter in your career as an advisor.