Insights

Man on phone receive bad news

What? George Died???

One of the things I’ve learned in this job is that we can’t always prevent bad news, but what we do can lessen the impact of that bad news. Here’s an example: Problem George died. He was lean and active and vibrant. You’ll never find a healthier sixty-year-old. He was a partner in a well-run...

holding hands on sofa

Is Renting Your Insurance Better? It Depends…

Fred and Barney are the same age and in good health. They both need the same amount of life insurance protection and they both have discretionary income. Fred is a saver and Barney is a spender. As a saver, Fred doesn’t like to rent things-he likes to accumulate. Since he’s already saving it makes sense...

Man sitting bench thinking premium costs

What’s the Right Life Insurance Premium?

Fred’s attorney had no indication of whether Fred’s life insurance policy was healthy or not. According to Fred, it hadn’t been looked at in almost ten years. Familiar with how we’ve added value to other clients in the past, the attorney asked us to review the policy for Fred. Here’s what we found. Problem The...

couple looking at laptop

Avoid Being a Victim of Life Insurance Fraud Pt. 2

Life insurance fraud is an unpleasant experience. Consumers across the country are frequently targeted. Last week, we provided four ways you can help avoid life insurance fraud.  But there are more. Here are three more ways that you and your family can avoid being victimized by an unethical company or agent. Shop around Just like all...

Young Couple Looking at Paperwork

Avoid Being a Victim of Life Insurance Fraud – Part 1

There’s no doubt that life insurance fraud is a serious problem, yet this issue victimizes many. There are unfortunately occasional instances where families are taken advantage of by companies and individuals who prey on consumers’ lack of knowledge in the industry. These tips can keep you informed on the basics of life insurance to help...

Solution: Split-Dollar Life Insurance

We’ve all been in situations where something interesting caught our attention until it started getting complicated. It might be a really good idea, but the fog of the complexity quickly overwhelms the simplicity. At that point the interesting thing gets lost in the jungle and we walk away. That’s a normal reaction. Sometimes, however, it’s...