Michael’s Blog

What Low Interest Rates Mean For Life Insurance

What Low Interest Rates Mean For Life Insurance

An article in the Financial Times announced, “profoundly low interest rates are here to stay,” which should cause investors to “recalibrate” assumptions with their investments. (1) On July 31st the Federal Reserve lowered interest rates for the first time since the...

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One Of The Most Important Things For Family And Children

One Of The Most Important Things For Family And Children

Sunday nights are special around here. My wife and I head over the causeway to visit her 93-year-old parents who live on the river. The best part of Sunday dinner is afterward – wine is left on the table, coffee is added, and the family stories come out. Growing up...

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Is There One “Best” Life Insurance Policy?

Is There One “Best” Life Insurance Policy?

Tip #11 There is no one best permanent life insurance policy, but there is the best policy for each particular situation or client. Too often, when your clients buy life insurance, they are sold a particular “hot” product. The life insurance industry has done a great...

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Want to Know Why Many Life Insurance Policies “Fail”?

Want to Know Why Many Life Insurance Policies “Fail”?

Tip #18 Cash value investment projections at policy issues are often too optimistic. When Ronald Reagan took office in January of 1981, interest rates were sky high. The federal funds rate stood at 19.08%. The life insurance industry came up with a product to take...

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What Tom Petty Can Teach Wealth Advisors

What Tom Petty Can Teach Wealth Advisors

When Tom Petty headed west from Gainesville, Florida to seek fame and fortune, he brought his Rickenbacker guitar and a knack for writing crisp rock and roll songs that told vivid stories. Over four decades he left a trail of hits few peers could match. Petty songs...

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What Low Interest Rates Mean For Life Insurance

What Low Interest Rates Mean For Life Insurance

An article in the Financial Times announced, “profoundly low interest rates are here to stay,” which should cause investors to “recalibrate” assumptions with their investments. On July 31st the Federal Reserve lowered interest rates for the first time since the...

read more

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The Insiders Guide to Selling Your Life Insurance Policy