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Many people think they have just the right life insurance. Many say, I'm good when asked what they have and why. The reason is because they can't explain what they have, They just know they have some. This is a very bad situation. An old policy is probably not cost effective. A new policy may be the wrong product for your age or budget. How long will you have to pay preiums? What is the dividend arrangement. How much interest do you earn? All really serious questions. So, saying I'm good means, I really don't know what I have and why.
Joyce interviews Katheryn Evans of Strategic Sound Solutions on long term care insurance and if you should consider getting it!
Joyce Joneschiet (Jonah-shite) Principal interior designer of Encore Living Interiors and Publisher of Encore Life Magazine hosts Encore Living Radio with her co-host Aaron D. Murphy, a licensed Architect, President of ADM Architecture and Managing Editor of EmpoweringTheMatureMind.com.
In a report by a US Senate committe, the life insurance industry was called out for overpricing, misleading, and deceiving the public.
I know firsthand because I used to work for one of these companies and they're now out of business.
We'll look at the top three scams in this show and tell you what the right life insurance is...according to Suze Orman, Dave Ramsey, and every consumer expert.
Join us and get your free copy of the essential book, How Money Works: A Common Sense Guide to Financial Success. Listen in and well tell you how to get your copy. Click here for that information.
Are many sick or injured people cut off from Long-Term Disability Benefits after two years? Does that sound like long-term support for the injured? Is this something in the fine print? And were do those premiums paid for go? Let's talk about Long-Term Disability Benefits from Employers and Insurance Companies today.
Today’s guest is Paul Carroll, CEO and Editor in Chief of Insurance Thought Leadership.
Paul is the co-author of The New Killer Apps: How Large Companies Can Out-Innovate Start-Ups and Billion Dollar Lessons: What You Can Learn From the Most Inexcusable Business Failures of the Last 25 Years and the author of Big Blues: The Unmaking of IBM, a major best-seller published in 1993. Paul spent 17 years at the Wall Street Journal as an editor and reporter. The paper nominated him twice for Pulitzer Prizes. In 1996, he founded Context, a thought-leadership magazine on the strategic importance of information technology that was a finalist for the National Magazine Award for General Excellence. He is a co-founder of the Devil’s Advocate Group consulting firm.
Today we’re talking about tomorrow. The world as it is and as it’s going to be - the world of opportunity for those prepared – the change architects. Our guest is Michael Jans. He is the founder and CEO of Agency Revolution. He’s been defined in the industry press as an “Insurance Marketing Maven” and a “marketing genius.” Clients have described him as a “Millionaire Maker.” His history includes serving as the Executive VP for the Professional Insurance Agents in Oregon, Washington, Idaho, Montana, and Alaska - the fastest growing affiliate of the Certified Insurance Counselors' (CIC) program - for seven years.
There's no faster way to clear a room than to talk about life insurance. How can something so necessary for families be so scorned and avoided? Without proper income protection--and that is what life insurance is--families can face financial devastation.
Just ask the many widows and widowers left to raise a family after the loss of a loved one...with 50 per cent of the household income gone and the bills still there. Getting life insurance is proof of your vows to honor and protect your spouse and your family.
Get your free e-copy of How Money Works: A Common Sense Guide to Financial Success by clicking here;
When it comes to life insurance, you have two basic choices: Some form of cash value life insurance (including universal life) and term life insurance.
Cash value, or whole life, as a “bundled” policy, requires you to buy both your death benefit and a cash value feature.
For the cash savings, the money is controlled by the insurance company and reverts to the life insurance company, not the estate of policy holder. It's in the contract. A little "s" is inserted between the CV in the contract = cash surrender value.
It's your money...and while you may borrow it--at up to 8% interest--why not claim it yourself. But never cancel any policy until you have a new one in place.
Let's get financially well:
Get your free copy of the essential book, How Money Works: A Common Sense Guide to Financial Success. You'll fall in love with this it and never have a major money question again. In clear language, it shows how to avoid insurance traps, tackle debt, grow your money, find out what a Roth IRA can do for your family, and much more. Go to bitly.com/yourmoneyny and sign up for your copy right now. bitly.com/yourmoneyny
See you next time.
Liran Hirschkorn, independent life insurance agent and founder of BestLifeQuote.com, a national life insurance agency, helps individuals make sense of life insurance with Heather Wagenhals, personal finance expert and the executive producer of the UnlockYourWealthRadio.com.
Tune in to find out the first most important use about life insurance and how this coverage will benefit you and your family. Liran continues this discussion with Heather by sharing his expertise on life insurance for both individuals and business owners, sharing great value in this interview. Liran offers his insights on the discussion of life insurance benefits as a business owner or partner of a business by breaking down the importance of a "key man" insurance and how it will benefit you and your business partners. Learn more about the key man insurance and other coverages you might personally want to consider to protect you and your families well-being.
Even the most casual observer of the risk and insurance industries can easily see the “fingerprints” of government on the process and results. Legislation, litigation and regulation are much of the process. The change that is the ACA is just one large example. Even the most casual observer of government can easily see the “fingerprints” of politics and grassroots on the process and hence the outcomes.
In the past two decades, Brian Feldman has lived and worked at the intersection of healthcare, grassroots and politics. As a founder of the Edison Group and now as a Senior Partner with Allison Partners – Brian will provide us with insight into the past, present, and future of the art of politics and the people and groups that determine the outcome.
Long Term Care Insurance might not be at the top of the list of things we like to talk about, but as Robin Thicke croons "You know you want it!"
70% of people with disabilities live at home with aging parents. Who is caring for whom? And even if you do not have a disability, odds are that you or a loved one will have a disabling condition especially as we all joyfully live longer lives. Long Term Care Insurance is a key tool to ensuring that we live our lives to the fullest at every stage!!!
Listen up as we hear from Mark Ravalico, Regional Director, and Certified Long-Term Care Consultant with Lincoln Financial Group , as well as from our ongoing colloborator Mark Friese, Vice President, Special Needs Group at Merrill Lynch.
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