Well, everyone, the end of another year is approaching us rapidly. As I sit here, sipping my hot cup of coffee, gazing out my window at the frozen wasteland of a bright, sunny, 62-degree Austin day, it seems good to engage in a...
Today's topic reminds me of an old Pulaar proverb I heard during my time in Senegal with the Peace Corps, Koɗɗe njidaa wowru ceera arsugaaji. It means that things which share the same origin have different fortunes. I used to contemplate the meaning...
Imagine yourself as a life insurance agent (probably not too far off for many of you). You sit at your desk thinking about your job… this is your livelihood, why you go into the office every morning, how you make money, the meaning of...
Long term care (LTC) or chronic illness (CI) riders on a life insurance policy can create great value for a client with multiple financial planning needs. These living benefits can supplement the primary death benefit protection of life insurance by extending optional coverage to the...
“100% customer satisfaction guaranteed or your money back!” While life insurance is certainly different than these familiar ads, one of the major trends in guaranteed universal life (GUL) a few years back was a concept that ran along similar tracks known as Guaranteed Refund Options...