Category: The Conscious Consumer

How to talk to your clients about life insurance

Financial advisors and coaches frequently ask me for advice on how to talk with their clients about life insurance. I am always gratified to hear that. Life insurance secures your client against the life hazard that can have the most… Read More

When is vanilla not vanilla?

Financial advisers and coaches ask me this question on a regular basis: “If we have a ‘plain vanilla’ client – young, healthy, with no high-risk factors – should we still send them to you for life insurance?” The answer course,… Read More

Will my life insurance benefit really get paid?

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… Read More

How much life insurance should you get on your stay-at-home spouse?

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… Read More

Life insurance for Diabetics: three things to remember

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… Read More

Protecting your child’s insurability

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… Read More

The place for term insurance

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… Read More

The 10 Life Events that call for a life insurance review

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… Read More

Coaches: the new generation of financial advisers

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… Read More

The Five “No’s” of employer-sponsored life insurance

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… Read More