Category: The Conscious Consumer
Thoughts on why people buy – or postpone buying – life insurance. I often call upon studies of neuroscience, psychology, religion, and spirituality to explain consumer behavior.
Many people feel cynical about big corporations in general, and insurance companies in particular. It’s almost as if we expect to not get what we paid for. A lot of this is unfortunately based in personal experience. It can be…
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Many households have a spouse or partner that stays home. Does that mean he or she does not work? Not a chance. Kids require a ton of time and effort. Then you have all kinds of domestic chores, to keep…
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If you are a Diabetic, you can still get life insurance. And it does not have to cost an arm and a leg. But certain factors have to be in place. One: Your A1c and blood sugar have to be…
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Take a look at a list of hereditary deseases. A good health-related web site will provide one. The list is huge – running from breast cancer, to Diabetes, to kidney disease, and more. For sure, modern medicine has come up…
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Is there a place for term life insurance in your portfolio? Yes, there is.Here are some examples: You have a debt for a fixed amount of time you want to indemnify, such as a mortgage or business loan; You are…
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How do you know when to review your life insurance – or to encourage a friend or colleague to look at their policy? Here are ten key life events that call for a look at your coverage. 1. Marriage: now…
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For years, I have had the good fortunate of getting referrals from financial advisers. Bankers, attorneys, and accountants have provided me with a steady steam of introductions to their clients. I have been honored to be the “resident life insurance…
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Life insurance is frequently sponsored by employers as a group benefit for their workforce. Is it a nice add-on perk? Yes. Is it a cheap way to get some coverage? Yes. Is it the way most people should purchase the…
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People often think of life insurance as purely a “cost:” you pay a premium and your beneficiary gets a benefit. But there are ways to get much more bang for your buck. Here are a few: Reshop your coverage due…
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People have all kinds of insurance in their financial portfolio: life, medical, disability, liability, home, auto, business… But life insurance is the foundation of the entire structure. There are very sound reasons for this: A claim is guaranteed. Each one…
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