Protecting your family and your assets from risk is an important aspect of any sound financial strategy.

How Do I Pick The Right Agent To Help Me?

Currently, there are well over 1,200,000 life insurance agents in the United States. How can you ever decide which one is best for you? Plus there’s all this “fiduciary” stuff being thrown around to confuse you even more. Let me make something clear. If you are currently a life-licensed agent and you sell anything other [...]

By | 2017-10-28T21:46:11+00:00 August 7th, 2017|Insurance|

Use This IRA Solution to Eliminate Long Term Care Insurance Premiums

I was contacted several years ago by a gentleman named Jack who had a concern about his IRA account that he wished to leave to his daughter. Fortunately for Jack he did not need this money for income for himself and his wife. He was concerned about the account deteriorating over the years due to [...]

By | 2017-10-23T00:39:47+00:00 June 12th, 2017|Insurance|

The Affordable Care Act Is Losing Medical Support

What was meant as the savior of the uninsured and those who cannot afford health insurance, ACA, is in trouble. The trouble is not finding folks who need and want the insurance, it is finding health care providers who will accept the insurance for medical services. A good friend of mine was in need of [...]

By | 2017-10-24T06:45:56+00:00 May 16th, 2016|Insurance|

The Death Spiral of the American Health Insurance System

Recently, updates on the actual cost of the Affordable Care Act has disclosed severe issues that could cost the American taxpayer billions.  The report has gone on to include that actual cost in both Medicare expense and user expenses unexpectedly have increased.  What went wrong? We had predicted that insurance rates would rise based on [...]

By | 2017-10-24T07:12:10+00:00 April 21st, 2016|Insurance|

The Federal Reserve and the Federal Open Market Committee

By Bill Broich Does the “Fed” seem as mysterious to you as it does to me?  Founded in 1913 (Wikipedia: https://en.wikipedia.org/wiki/History_of_the_Federal_Reserve_System) the Fed, is a Federally created agency but owned by private entities.  There is an enormous amount of information about the Fed in numerous locations, including the link above. Have you ever heard of a [...]

By | 2015-12-04T20:29:11+00:00 December 4th, 2015|Insurance|

The History Of Life Insurance Ancient And Modern.

By Bill Broich The history of life insurance is dated by many as far back as before the time of Christ. History tells us that in 100 B.C. a Roman military official named  Caius Marius, established  a burial account for his Roman troops. The plan was simple, when a member died, other group members would [...]

By | 2015-11-24T23:02:18+00:00 November 24th, 2015|Insurance|

Why You Should Always Welcome an Audit.

By Bill Broich Have you ever considered the benefit of an audit? Not an IRS audit but a life insurance audit. As our life evolves and changes, so may our need for life insurance. Possibly a policy was purchased to cover a mortgage obligation and now that is not the situation. We change, and we [...]

By | 2015-07-22T18:20:32+00:00 July 21st, 2015|Insurance|

High Returns Possible With Indexed Universal Life

One secret not many know is this, insurance risk is never shouldered by any one company, no matter how big or how small the promised benefit may be. The ads you see on TV showing a healthy male can pay just $40 a month to protect his family with a $500,000 death benefit is really a whole bunch of companies banded together to help each other spread out any claim. This is known in the insurance trade as re-insurance.

By | 2017-10-08T19:49:45+00:00 April 21st, 2015|Insurance|