• Why Small Business Owners Need a Buy-Sell Agrement August 17, 2017
    What happens when a partner in a business dies?  How does this impact the surviving partner?Let's create a scenario.  Bill and Mary open a business and own it 50/50.  The business is doing well.  But one evening on his way home to his family, a truck crosses the center line and hits Bill head on.  Bill dies.After Bill's funeral, Mary realizes that […]
  • The Agents' Problems With Health #Insurance July 21, 2017
    As we all know, health insurance changed dramatically in this country several years ago with the ACA or Obamacare rules.  Instead of individual policies with various deductibles, companies were forced to offer policies with "essential health benefits" or ESB's, which meant that all policies had to offer certain coverages.  This, as well as for […]
  • "You're Going To Be Great At This!" now available on Amazon.com June 14, 2017
    Recently, Chris Castanes, the president of Surf Financial Brokers, has released his first book, "You're Going To Be Great At This!", a humorous look at his career in sales.  Part primer and part memoir, this books gives you the inside scoop on recruiters, sales managers and crazy customers.If you are considering a career in sales or are alread […]
  • Does Your Beneficiary Know Where To Find Your Life Insurance Policy? May 16, 2017
    So you've purchased a life insurance policy because you are very responsible and want to make sure that your loved ones have enough money in case you die too soon.  That's awesome, but you have one more job to do and that job is to make sure your beneficiary knows where to find the policy.Many times, we throw the policy in a cabinet or a safe box a […]
  • Do You Have the Face For Life Insurance? May 3, 2017
    Once again a new technology is changing how we can expedite life insurance sales.  According to NerdWallet, Lapetus Solutions has developed new facial analytic technology which can determine how long someone is expected to live.The new technology, called Chronos, could help people get a policy approved in as little as 10 minutes, thus avoiding a medical exam […]

  • Why Small Business Owners Need a Buy-Sell Agrement August 17, 2017
    What happens when a partner in a business dies?  How does this impact the surviving partner?Let's create a scenario.  Bill and Mary open a business and own it 50/50.  The business is doing well.  But one evening on his way home to his family, a truck crosses the center line and hits Bill head on.  Bill dies.After Bill's funeral, Mary realizes that […]
  • The Agents' Problems With Health #Insurance July 21, 2017
    As we all know, health insurance changed dramatically in this country several years ago with the ACA or Obamacare rules.  Instead of individual policies with various deductibles, companies were forced to offer policies with "essential health benefits" or ESB's, which meant that all policies had to offer certain coverages.  This, as well as for […]
  • "You're Going To Be Great At This!" now available on Amazon.com June 14, 2017
    Recently, Chris Castanes, the president of Surf Financial Brokers, has released his first book, "You're Going To Be Great At This!", a humorous look at his career in sales.  Part primer and part memoir, this books gives you the inside scoop on recruiters, sales managers and crazy customers.If you are considering a career in sales or are alread […]
  • Does Your Beneficiary Know Where To Find Your Life Insurance Policy? May 16, 2017
    So you've purchased a life insurance policy because you are very responsible and want to make sure that your loved ones have enough money in case you die too soon.  That's awesome, but you have one more job to do and that job is to make sure your beneficiary knows where to find the policy.Many times, we throw the policy in a cabinet or a safe box a […]
  • Do You Have the Face For Life Insurance? May 3, 2017
    Once again a new technology is changing how we can expedite life insurance sales.  According to NerdWallet, Lapetus Solutions has developed new facial analytic technology which can determine how long someone is expected to live.The new technology, called Chronos, could help people get a policy approved in as little as 10 minutes, thus avoiding a medical exam […]
  • Great News For Business Owners Who Offer (Or Would Like To) Benefits March 28, 2017
    Part of our work at Surf Financial Brokers is helping businesses who wish to offer benefits to their employees.  Through our network of agents, we help with dental, vision, disability,  and life insurance, as well as cancer and critical illness plans, to name a few.For the most part, the employees pay for these plans by having the premiums deducted directly […]
  • Life Insurance Check Up March 6, 2017
    Have you had an annual life insurance check up?  It only takes a few minutes and could save your loved one a lot of pain down the road.First, make sure you have enough life coverage.  The easy way to do this is with our calculator.  Plug in some numbers and get a total value.  Make sure you have enough coverage to pay off debt, cover education costs for your […]
  • So What's The Big News? January 19, 2017
    We've hinted for a while that we had a big announcement coming and now is a great time to share it.  Starting this month, we will be once again offering Medicare Supplements. If you or someone you know is about to turn 65, please contact us or pass our information along.  We have partnered with a large organization with many years of experience in the M […]
  • Upside Growth, Downside Protection December 22, 2016
    If you've read my blog in the past, you know I think life insurance is a great way to get a "tax-free" retirement.  The easiest and most effective way to do this is through an Indexed Universal Life policy (IUL).  This policy builds its cash value by using an index, which yields returns that mirror the market, without having the actual risk of […]
  • Are You Playing Checkers Or Chess? December 8, 2016
    Many people don't have a complete financial gameplan in place.  They buy life insurance here, have a 401k there and only insure their paychecks through a work sponsored program.  In other words, they are only thinking of one move at a time.On the other hand, forward thinking folks look at the big picture.  They aren't just thinking of their needs f […]