Blog

Medicare vs. Medicaid: Most Seniors Don’t Know the Difference

We elder law estate planners often hear people talk about someone that they believe is receiving nursing home assistance from Medicare. In reality, it is Medicaid.  It is very important for seniors and their advisors to ...
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What Happened to Aflac's Medicare Supplement?

This is one of the biggest surprises in my insurance marketing career. Aflac is a Fortune 500 company that doesn't just change its mind on a new product line in 10 or 11 months. They invested a couple of years ...
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Long-Term Care Insurance and the Activities of Daily Living for Seniors

I can’t say this enough… long-term care insurance should be considered not only for its ability to pay for care services, but more so to protect and preserve assets. Couples bought life insurance when they were young to ...
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Think your older clients aren’t online? Think again!

Here are some ways you can use that fact to your advantage Show me a teenager, and I’ll show you a person with a mobile phone permanently attached to her arm. Show me a 4 year old, and I’ll show you a little guy who can ...
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Why Life Insurance with Long Term Care Rider May Be a Better Alternative for Your Clients than Standalone LTC Insurance

Life insurance with long term care rider provides cost effective coverage for long term care, and more Life expectancy in the US increases every year; as people live longer lives, you know that some type of long term ...
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How to Sell Life Insurance To A Generation That Doesn't Plan Ahead

Think back to the old days. Adages then implored, "Save for a rainy day," and, "Invest for your future."
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Insurance All-Stars

When I was younger, I always wanted to be a college basketball player. Watching my sons grow up, I wanted them to be college basketball players as well.  I played for Millikin University, Jake played for Indiana State, ...
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We Give Money – We Don’t Take It!

After having spent over 12 years playing professional baseball and worrying only about hitting the curve ball, and afterwards spending nearly 37 years in the insurance industry, I often find myself contemplating what I ...
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Dead Trees or Easy App?

As I was growing up, learning to swim was a scary and tough thing for me. I remember learning to ride a bicycle and wrecking a few times in the process.
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To Index or Not

As I talk to agents, I’m amazed how many good insurance agents are just not comfortable with offering their clients one of the best retirement vehicles available on the market today;  Fixed Index Annuities. 
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