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Cognitive Ability To Obtain Life Insurance?

Over the years I’ve run into plenty of families who only wished their mom or dad still understood and qualified for life insurance. It would likely be a blessing to the family to have it in force, but there’s a point where the family has to admit...

I Know It’s None Of My Business, But!!

The nice thing about having your own business is that, at least within the law, no one can tell you how to run it. We can recommend all we want that you flip those burgers just 15 seconds earlier or that you use gluten free beer in your beer battered fish filet, but...

Why Do It This Way?

I just got a call from a fund raising organization for policemen here in Colorado asking for a donation to a fund to assist widows of police killed in the line of duty. Know that I have always had a great deal of respect and admiration for police and fire personnel....

How Businesses Outlive Their Founders!

For those of us who own businesses at some point the question pops into our mind, “what happens to the company when I die”? If it doesn’t cross our minds, I assure you it will cross your spouse’s mind and at least the mind of the employees who...

How Valuable Was Your Dead CEO?

In all seriousness I hope you don’t ask yourself that question after the fact. Whether you are the President of the company or on the Board of Directors, or the Janitor you should know that the death of the CEO of a company can pass one of two ways, 1. Planned...

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...

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...

Does Your CEO Need Cash Value Life Insurance?

There are definitely two schools of thinking on the subject of how to handle executive life insurance, especially key person policies. Just to put this in perspective, I’m kind of an old guy and I would call the idea of using cash value policies to fund key...

Nothing To Lose? Are You Sure?

I get that business people get tired of hearing about all of the kinds of insurance they should be carrying because I am one. I carry more than what’s required by law in errors and omissions insurance just because of the litigious nature of our country. I err on...