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Mike’s Musings: Show Your Clients a Valuable Alternative

How many of you remember when Guaranteed Universal Life (GUL) first arrived into the marketplace? When it first came out, it was just a regular universal life contract which built up cash values based on an assumed interest rate and if the client added the guarantee rider and agreed to pay the higher, stipulated premium to […]

Inaccurate Marketing

In one of the airports I frequent, I see ads for an advisory firm touting its low investment fees and showing comparisons of projected investment returns utilizing low and higher investment fees with the conclusion being that lower fees are better. When I overnight in that city, I also see this firm’s television ads, again […]

Top 4 Things You Should Know About Health Care Costs In Retirement

Countless Americans are unaware that retirement and health care are linked. 1 in 3 Americans have $0 saved for retirement and many are falling short in estimating and preparing for out of pocket health-related expenses. Below are 4 things to keep in mind when preparing for health expenses in retirement: Retiring couples should set aside […]

Dodd-Frank’s Banking Rules Rolled Back

It was another one of President Trump’s early promises: an overhaul of the Dodd-Frank law that significantly tightened rules on banks and other financial institutions after the Great Recession of 2008. On Tuesday, May 22, 2018, it happened. In a rare bipartisan vote, Congress passed changes to the Dodd-Frank law which is expected to be […]

This Is My Story: How My Father Influenced My Future

Growing up, I always believed I had the white-picket-fence-middle-class lifestyle. I had two older sisters and two loving parents who only wanted the best for our family. When I graduated high school, my father asked what I wanted to focus my studies on through college. I expressed to him “anything other than what you do”, for he had spent […]

Why We Do What We Do

Prior to rejoining Zenith Marketing Group on May 1st, I was employed by a very focused organization, catering to a specific market niche with the ultimate goal of selling cash value life insurance.  So, for the past 18 months, I was isolated from “brokerage”. I don’t use social media tools like Twitter or Facebook because […]

Catastrophes Happen…Is Your Income Protected?

A dear friend lost her home in a tragic fire on Friday. It was shocking news, since we had just spoken earlier in the day. Her husband, Tom was hospitalized with third degree burns and smoke inhalation. I spent the rest of my weekend in shock and disbelief. It seemed so unfair. I began to […]

Connecting With Your Female Clients

Not sure how to talk to women about finances…just start! The questions you are asking your male clients can be easily translated to any conversation you are having with women. Simple right? However, the reality is that in our male-dominated industry there is a disconnect on how to communicate effectively with female clients. The foundation […]

This Is My Story: Tema Banner

A typical fourteen year old, I paid little attention to the lives of my parents. I was wrapped up in friendships with girls and budding desires for something more than friendship with boys. My attention barely reached the end of my own nose. An argument with my mother brought the reality of life into sparkling […]

The Emotional Response to Long-Term Care Planning

The Emotional Response to Long-Term Care Planning

Lincoln Financial Group recently conducted a Long-Term Care planning market survey report to assess the emotional response related to caregiving. Here’s a look at the survey team’s key findings: People want to help their family members in need of care, but also recognize the associated challenges and sacrifices. 44% said they would feel overwhelmed if […]