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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.
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.
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.
Louis Sheppard, says that It was a crazy-high number of weight that finally did it. Three-hundred and fifty pounds to be exact; that was what my body from head to toe weighed when stepping onto my home scale. It got me scared! It got me thinking. It got me doing. Scared! Think! Do! That was the action plan that would move me into a new lifestyle that I hoped would save my wife and kids from dealing with any medical issues that my obesity could weigh down on them; and it was for me too. My family looks to me for support and guidance on so many levels and now I was facing my own challenge: How would I tip the scales in the other direction I asked myself? I headed to a web site that was complete with information on diet and exercise (http://bodybuilding.com). My wife, God bless her! joined me on my new journey and lifestyle plan. Two weeks into our journey and our new way of living the life we were born to live, a close friend died of a sudden heart attack. He was 37 years old. I was deeply affected by his death. I thought of how I would be turning 40 soon and I realized that my weight was increasing of a similar way that my friends had increased. It caused me to get clear about what I wanted and How I wanted to live my life. The awareness of my friends plite, and my own struggle with obesity caused me to kick my eating plan into a higher gear. I followed Cuban-born Lee Labrada, who has a fitness and diet web site and decided to sign on to a 3-month diet and began working out. After that I started training with Jon Buettner over at Big Jon Fitness and I began to see my friend Denny Chang, who died, was hovering over my exercise equipment, cheering me on. Everyone called him Tis. I began to call that voice on my weights the Tis Effect. Visit The Tis Effect.
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.
For over 25 years Judy has been a writer, author, professional speaker, spiritual counselor and Cancer Survivor. ??She helps people connect and communicate using their personality style, body language and awareness of their energy or what they are saying without speaking a word. Immediate results, and effective communication increase the bottom line and attract the kind of customers and lifestyle you want to create. ??As the author of "Say YES to the Life: How to Live Life and Love It" She gives people the tools to effectively connect, and communicate a healthy, loving and fulfilling life. ??Introducing people to effective communication in companies and organization helps them connect and communicate more effectively, increasing productivity and comrade. As the Minister of ??The Spiritual Enrichment Center of the White Mountains is where she helps to increase the energy and positive thoughts in the White Mountains. Her goal is to individuals understand and use positive spiritual principles to bring their dreams into reality for their personal growth and fulfillment and for the good of the community as a whole. ??As a professional speaker she shares her expertise from coast to coast with various associations, businesses and organizations.
Some of my clients are: ?Unity of the White Mountains, Spiritual Living Center of Salt Lake City, Utah. Unity of Beaverton, ?US Navy, Utility Associations, Hallmark Inn Corp, Intel, Pacific Corp., Lawyer Groups, Nurse Associations, Hospital Associations, Colleges and Universities and the Governor's Inter-agency of Washington State. Various Churches and study groups.
Judy Pearson ?Spiritual Enrichment Center of the White Mountains? Raising the vibration of the planet one person at a time.? 3360 W Old Linden Rd? Show Low, AZ 85901? Phone: 928-251-2533? website: judyspeak.wix.com/secenterwm
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;
Ernest and Renate will discuss the 10 things you need to know before buying life insurance. There are many pitfalls that you can experience when you don't know what type of life insurance you really need. There are my types out there and you need one that is tailored to your situation. Many times when you sit down with an insurance agent the main thing on their mind is commission. If you are not doing a needs analysis first, you may not get what you really need. Don't take that chance. Lisen in today at 3:00 pm and hear the 10 things that you need to know before it's too late.
Log on to http://www.blogtalkradio.com/a-americanlegacy or call in and listen at 646-595-3900
Most of us have been told to "buy term and invest the difference", right?
WRONG! On today's show No BS Money Guy Todd Strobel and Best Selling Financial Author Kim Butler are going to share:
The best type of life insurance to buy
How to properly fund a life insurance policy to
Reduce agent commissions
Increase cash value
Boost your ROI
If time permits we will also duscuss ways to Optimize the policies you already own! This is great information everyone should know but unfortunately most agents do not know or will not share with their clients.
For more information check out:
Busting the Retirment Lies
Live Your Life Insurance