If you are like most Americans, your net worth has probably taken a big hit in the last eighteen months. With some stock portfolios down 50% and home prices falling faster than the Federal Government can produce new schemes to bail us out, it doesn’t take a math whiz to see that your nest egg isn’t what it once was. Why am I rehashing this bad news in a blog about life insurance? It’s simple - many folks, when evaluating how much life insurance is needed to adequately... Read more

We hear all sorts of real-life stories concerning how people have been affected by having or not having life insurance. In the following story, Ryan and Megan are fictional characters made up of a composite of several of these stories. We are launching a campaign in which Ryan and Megan will be representing many of these stories we have heard. Megan and Ryan Collins, both in their early 40s, were living what they thought was an idyllic life. As recently as 2006, the American Dream they had... Read more

The cost of life insurance, specifically term life insurance, has been at historic lows for the past several years. I believe that anyone who has secured term insurance, especially with terms of 20 and 30 years, has gotten a real bargain. Insurance companies have been jockeying around for competitive position and the consumer has been the real winner. We have seen several companies increasing their premiums and/or removing longer term periods (30 years) from their product lines. Others have... Read more

Have you reviewed your life insurance policy recently' I recommend doing so annually for the following reasons: Your needs may have changed since you purchased the policy. Maybe your income has increased and you need to supplement your current policy with another one to bring the benefit more in line with your new income. Perhaps you have changed jobs or careers (not unlikely in the current economic environment) and you’ve lost your group coverage. Your health may have improved since... Read more

I don’t know when it happened for me, but I think it was about 3-4 years ago when my online purchases outnumbered the purchases I made in a typical sales environment. It is now rare that I don’t at least do some comparison shopping online before I make a purchase (as I did recently when purchasing a new car). I love the convenience (don’t even get me started on shopping for clothes in a mall) of sitting at home or work (during a break, of course) and doing my research and,... Read more

Megan and Ryan Collins are fictional characters created from stories we have heard from clients over the many years in the insurance business. This is one of those stories: When their first child, Emily, was born, Megan and Ryan Collins decided that Megan would leave the workplace and become a full-time mom. They had many such discussions before Emily was born and decided that this was the best solution for their family. Losing one income would be difficult but, by cutting down on some... Read more