Life insurance consumers are elusive creatures. They are hard to find and even harder to engage. It’s unclear whether (A) there are less of them out there, (B) we are looking in the wrong places, or (C) we are using the wrong approaches to engage with them.

When working with a married couple, is the higher income earning spouse your client, and the other spouse simply referred to as “the client’s spouse”? I hope not! That’s the way it was when I started in this business 40 plus years ago.I define “my client” as the family tree. Usually, at least three generations.

Regulations, product offerings and digitization continue to drive a long period of industry fluctuation. In our fast-paced profession, industry developments challenge us each and every day to regularly adapt and enhance our skills to provide exceptional client service.

The cliché is that money doesn’t buy happiness, but it certainly can cause stress. More than half of Americans say that financial stress had a negative impact on their life in 2018.

Since before the Affordable Care Act was signed into law in March of 2010, there have been talks about the United States moving towards a Medicare for all program, or a single payer system, or a government run health care system or Socialized medicine.