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When It Makes Sense To Replace Your Life Insurance!

As I was filling out an obnoxiously lengthy New York life insurance replacement form yesterday it occurred to me that replacement, the idea of getting rid of a current policy and replacing it with a new policy has kind of gotten one of those back alley bad raps. State...

How Easy Is It To Collect On Life Insurance

It’s really not that much work, but there are some unexpected things that pop up during the process that, well, would be handy to know. It might lower the stress level, something that anyone grieving the loss of a loved one would welcome. First let me say...

Do You Have A Power Of Attorney?

This same subject keeps popping up in new forms. I’ve explained in the past how essential it is for unmarried couples or business partners to have a power of attorney to be able to sign a release of medical records for life insurance in the event that the...

So You Are Taking Your Bat And Ball And Going Home?

They would probably have a holiday named after me if every customer walked away completely satisfied but you just get more customers when almost all of them do. It’s OK because personally I think we have over done the holiday thing especially because if the...

Business Succession Life Insurance Isn’t Just Fluff!

As a business person I can tell you that just the suggestion by someone that I should purchase something else to benefit my business makes me, well, underwhelmed with enthusiasm. I know the problem extends way beyond business and centers around the fact that there are...

Is It Possible To Do Worse Than Guaranteed?

How appropriate that when I looked up the definition of guarantee I not only got what I expected, but it was a bit like opening a life insurance fortune cookie, “provide a formal assurance or promise, especially that certain conditions shall be fulfilled...

Forget About Life! Buy Retirement Investment Insurance!

Isn’t it true of everything in our lives if we’re over 50, change is happening and with life insurance the companies are making sure it is “Advantage Company” in their tennis match with customers. Having lost count of the number of life...

Five Practical Applications of Business Life Insurance!

I’ve helped orchestrate business life insurance for everything from the simple loan collateral policy to complicated stock repurchase plans, but what all business life insurance has in common is business succession, making sure the business survives in the event...