Category Archives: Bersonal Posts

Our business Partner Ben Ward has been an innovator and designer of products for many years. He has a long history of product creation dating back to the old Delta Life days and most recently was instrumental in helping Forethought design and deliver … Continue reading →

Cal-PERS – the California Public Employees Retirement System has a public relations nightmare on their hands. For years CAL-PERS has been promoting their own privately funded Long Term Care policies to its rank and file. Many of us who sell … Continue reading →

As an IMO we have always promoted the idea of using tax returns as the basis of your practice. For the past three years we have sponsored our now state-of-the-art training called “Follow the Money – Tax Returns Lead to … Continue reading →

Yes…I know…this is a Blog for insurance professionals so what is the tribute idea? Well I did say this would get “Bersonal” and for me the events that took place in Newtown, CT were very personal. The events at Sandy Hook … Continue reading →

As I mentioned in previous articles, AG38 and the ongoing low-interest rate environment have forced some carriers out of the No-Lapse Guaranteed (NLG) UL business.  Others have repriced theirs and in some instances introduced premium caps. However, a couple of these same carriers have come … Continue reading →

As I travel throughout the US doing workshops and seminars in support of our Reps I always hear the same thing. How can we get more people to talk to? Why can’t I solve the prospecting problem so I can … Continue reading →

When I was growing up I was a big baseball fan. Every morning I would study the box scores to see how my favorite players and teams were doing. I had two players who I liked the most. Carl Yastrzemski and … Continue reading →

Over the last part of 2012, we saw many dramatic changes in the Long Term Care Insurance world. Specifically, some carriers left the market place, some carriers eliminated certain benefits and plans and other carriers repriced their policies to bring them … Continue reading →

To most of us who understand the insurance world and the real choices available for our clients, the advice that Suzy Orman gives is at best irritating and at its worse negligent. It is virtually impossible for one piece of … Continue reading →

As 2013 begins, we have seen a seismic shift in the Guaranteed UL world. Each carrier has responded differently to the new regulations depending on how they priced their product prior to 2013 and how they interpret the new regulation. … Continue reading →