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The value of homes in San Bernardino is rapidly increasing. The median price for recently sold homes was $383,000 . Listing prices have increased 14% over the previous year. The homeownership rate in the city has been hovering around for close to half of (47%) A home insurance San Bernardino policy can be a smart investment if you […]

Few people enjoy the certainty of death. The possibility of an accidental death occurring at any time is also a factor. It is a problem that can be very distressing for those who depend on your earnings and you. Although it is not something you enjoy, purchasing life insurance can make sense. Even those who don’t have dependents […]

It is quite simple for agents to fail in learning how sell final expense. The sad reality about sales is that 90% fail to learn how to sell final expense, regardless of their industry. Why is this so? Agents who give up on themselves are the number one reason they fail to sell final expense. They enter the […]

Targeting the Right Crowd Do you feel the fear of rejection when you try to recruit people to your downline?Have you ever felt like there was a secret to your success in recruiting? It should come as no surprise that there have been! Most likely, you don’t feel comfortable using your computer to market online. You’re […]

Contrary to what people tell you, referrals for insurance sales are not your lifeline. It takes a lot of skill to get insurance referrals. This article will show you how to request sales referrals correctly and how to earn them. The instructions given to me by the general agent in my first career office are still very […]

We all know that there are three critical areas every financial advisor, insurance agent and financial planner must master if they wish to be successful in the great profession of insurance sales and financial planning. (1) Creating a steady stream of high quality sales leads… (2) Turning IDEAL Sales Leads into High-Quality Sales Appointments… (3) […]

An life-insurance retirement plan (LIRP) can be a great complement to traditional retirement savings such as IRAs and company-sponsored retirement plans. This plan is not subject to the same distribution restrictions as qualified plans and IRAs. An LIRP cannot replace traditional ways of saving for retirement but it can offer substantial benefits if used properly. Life Insurance Retirement Plans Explained […]

Before there were Blue Cross or WellPoint plans, a group of Dallas school teachers agreed to prepay hospital care at a monthly cost of 50 cents each – which many consider the first modern healthcare insurance plan. Together with new tax laws that made employer-sponsored insurance nontaxable, this led to an explosion of commercial health […]

Doctors need life insurance as an important safeguard for their families in case of unexpected death, and purchasing it early can help secure the best rates and policies available. Common advice suggests having coverage equal to 10-15 times your income. Both term and whole life policies can be suitable, depending on individual needs and circumstances. […]

Insurance companies generate revenue by accepting financial risk in exchange for premium payments, using statistical principles such as law of large numbers and risk pooling to limit losses and minimize their exposure. Insurance carriers evaluate applicant data such as age, location and risk history to establish premium rates. They often rely on advanced techniques like […]