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Split-dollar life insurance is a great benefit and estate planning tool. Here are the facts. Split-dollar insurance is a contract between two parties that shares the benefits and costs of a permanent insurance policy. Split-dollar plans are often between employees and employers. The executive compensation package will include the split-dollar plan. These packages became less common after a […]

The perceived value of an insurance agency is affected by three things: 1) earnings, 2) future earnings, and 3) market conditions. These are the same factors that affect the value of any investment. This article will explore each aspect of insurance agency selling in order to help agency owners understand the best ways to prepare. “Pro Forma Earnings” and the […]

My firm regularly assists agency owners with the planning and execution for the sale of their businesses. With the 2013 tax hikes, some key questions are being raised more often. I thought it would help to bring these issues to a wider audience through the dialogue that follows. Although the information is quite detailed, it is intended […]

Many small businesses overlook the needs of their owners and employees. The business continuity is a critical need for all involved: partners, stockholders, owners and their families. If you are a producer who is knowledgeable about business insurance, or want to help prospects who might be affected by it, it’s a great way for you to […]

In January 2001, I began selling life insurance online. Direct marketing life insurance was an entirely new concept back then. I am slowly becoming the person people turn to when trying to decide if they want to pursue this career. Someone recently asked me what the ten steps were to establish a successful online life insurance company. Ten […]

Agents are required to gather all information about the insured risk in order to fulfill their fiduciary obligations to clients. This involves asking several questions about the characteristics of the risk against which the insured wishes to obtain insurance. The agent must translate all the information to the underwriter for the carrier to which they wish to […]

There are many possibilities in The Best Profitable Commodity Tips. Because of the high volume of trade and profit generated every day, this market is widely recognized as one of the most important. This kind of trade is not uncommon in the world. Commodities like sugar, wheat, gold and silver are all traded. They have been extensively traded. Today, […]

Currency trading can be described as exchanging currencies. You can acquire currency at one price, then sell it later for a higher price to reap the benefits. It is the world’s largest financial market. Over two trillion dollars worth of currencies are traded every day. The transaction volume is staggering in New York and has a huge impact on […]

Mutual funds can declare dividends at their discretion. These dividends are paid from the profit the scheme makes from selling securities or income from the scheme. This dividend can be reinvested back into the scheme or received when it is declared by investors. Investors can also opt not to receive any dividend and continue to reinvest in […]

Mutual funds invest money from all investors in different securities such as stocks, bonds and money market instruments. They also invest in international securities. Mutual fund investments can be subject to various risks such as market movements, corporate earnings and domestic and international liquidity. Individual stock movements are also possible. mutual funds returns are volatile over the […]