• What Are You Buying Online? September 9, 2021
    When I originally got into the insurance business the internet didn't exist. Agents would carry rate books with incredibly small print and have to calculate the premiums and fees by hand. Needless to say mistakes were a common occurrence, and I was one of the biggest culprits of quoting someone an incorrect price. At that time (back in the 1980's) […]
  • The Basics Of Dental Insurance August 23, 2021
    One of the most popular benefits people want to discuss when enrolling for their benefits is their dental insurance. I have always felt that the reason they ask about dental coverage is because they know they will use it, even if it's just for the preventative benefits. And in the back of everyone's mind is the scenario of breaking a tooth while ea […]
  • Now Is A Great Time To Reconsider Benefits For Your Employees July 29, 2021
    There has been a lot of talk on the news and social media about the labor shortage that we are having in our country of late. Despite what some outlets are saying, there are a variety of reasons why employers are having a hard time finding and keeping personnel.One way employers can get the employees they want is to offer benefits. I have worked in the workp […]
  • Benefits For Business Owners (and Otherwise Self-Employed) July 25, 2021
    At Surf Financial Brokers, we really do enjoy helping owners of small businesses, entrepreneurs, sales professionals and otherwise self-employed. This is because we are in the same boat as independent agents. The lack of group benefits can be troubling, but we are doing our best to help these great folks (who are the backbone of our economy) have access to q […]
  • Are You Buying Insurance Or Peace Of Mind? July 23, 2021
    As I have mentioned previously, the Greek word for insurance is "asfalia", which literally translates to "security". The Greeks are not paying for someone to insure them, but instead are buying peace of mind, knowing that their families and loved ones are secure.One of the recurring themes that insurance companies use when advertising, or […]

  • What Are You Buying Online? September 9, 2021
    When I originally got into the insurance business the internet didn't exist. Agents would carry rate books with incredibly small print and have to calculate the premiums and fees by hand. Needless to say mistakes were a common occurrence, and I was one of the biggest culprits of quoting someone an incorrect price. At that time (back in the 1980's) […]
  • The Basics Of Dental Insurance August 23, 2021
    One of the most popular benefits people want to discuss when enrolling for their benefits is their dental insurance. I have always felt that the reason they ask about dental coverage is because they know they will use it, even if it's just for the preventative benefits. And in the back of everyone's mind is the scenario of breaking a tooth while ea […]
  • Now Is A Great Time To Reconsider Benefits For Your Employees July 29, 2021
    There has been a lot of talk on the news and social media about the labor shortage that we are having in our country of late. Despite what some outlets are saying, there are a variety of reasons why employers are having a hard time finding and keeping personnel.One way employers can get the employees they want is to offer benefits. I have worked in the workp […]
  • Benefits For Business Owners (and Otherwise Self-Employed) July 25, 2021
    At Surf Financial Brokers, we really do enjoy helping owners of small businesses, entrepreneurs, sales professionals and otherwise self-employed. This is because we are in the same boat as independent agents. The lack of group benefits can be troubling, but we are doing our best to help these great folks (who are the backbone of our economy) have access to q […]
  • Are You Buying Insurance Or Peace Of Mind? July 23, 2021
    As I have mentioned previously, the Greek word for insurance is "asfalia", which literally translates to "security". The Greeks are not paying for someone to insure them, but instead are buying peace of mind, knowing that their families and loved ones are secure.One of the recurring themes that insurance companies use when advertising, or […]
  • Why You Should Plan For 3 Stages Of Retirement July 12, 2021
    Two weeks ago I was asked to give a talk to a local networking group about long term care insurance, as well as other related subjects. Most of the material I discussed had to do with the products available to us, like long term care insurance, short term home healthcare insurance and life insurance with "living benefits" that can be used in the ca […]
  • Time For a Change To This Blog July 5, 2021
    Not that many people noticed, but I took a week off from the blog last week as I tried to regroup a bit. I wanted to use the time to consider a few options. Partly from general burn out and partly because coming up with a new insurance related topic three times a week is harder than I thought, I mulled some stuff over and have decided to make a few changes.  […]
  • 5 Ways To Help Your Family From Beyond The Grave June 26, 2021
    As an insurance agent I have come across a wide variety of opinions when it comes to people discussing their own deaths. I am constantly amazed at how people will open up with me so quickly. Maybe they trust an insurance agent more than their own family members.Some of these folks believe they are heading into the afterlife, one way or another, while more th […]
  • I Sell Money June 23, 2021
    When I first got into the insurance business I didn't have a mentor or anyone to "show me the ropes" per se. I learned quickly that my sales manager had a financial interest in me selling, and one would think that he would want me, as well as the rest of the agents on his team, to succeed. And while it was true to an extent, I also learned tha […]
  • Why I Got (Back) Into To The Insurance Business June 21, 2021
    A few weeks back I joined an online chat with some people I really didn't know but who had some valuable information to offer. Fortunately, these very nice people welcomed me to their group. One of them in particular, Adam Griggs who is the CEO of CLARAfi, dropped me a note a few days later, which began a conversation. Adam took a look at some of my vid […]