• We Only Sell You What You Need! (and some humor) October 22, 2021
    We have all heard the adage that a good salesperson can sell ice to an Eskimo. But a salesperson with integrity will ask, "Does that Eskimo really need ice, and if not, why are you selling it to him or her?"  The question implies that sales people, entrepreneurs, contract employees and business owners must do their absolute best to come off as hone […]
  • Is Life Insurance Through Your Work Enough? October 7, 2021
    Many of us who are self-employed don't always get to enjoy the perks of group benefits, like medical coverage and paid time off. But for those who do have jobs where the company pays for extra perks, those perks may be good, but not awesome.One of the issues I run into quite often with people who have "bennies" through work is the idea that th […]
  • Does The Non-Breadwinner In The Family Need Life Insurance? September 29, 2021
    Recently I was reading an article on all of the reasons people fail to buy life, disability and other types of insurance. Apparently there are a lot of misconceptions floating about and I wanted to take the opportunity to hopefully correct these ideas. Taking them one at at time I hope to explain these misconceptions over the next few posts.Last week I was t […]
  • 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 […]

  • We Only Sell You What You Need! (and some humor) October 22, 2021
    We have all heard the adage that a good salesperson can sell ice to an Eskimo. But a salesperson with integrity will ask, "Does that Eskimo really need ice, and if not, why are you selling it to him or her?"  The question implies that sales people, entrepreneurs, contract employees and business owners must do their absolute best to come off as hone […]
  • Is Life Insurance Through Your Work Enough? October 7, 2021
    Many of us who are self-employed don't always get to enjoy the perks of group benefits, like medical coverage and paid time off. But for those who do have jobs where the company pays for extra perks, those perks may be good, but not awesome.One of the issues I run into quite often with people who have "bennies" through work is the idea that th […]
  • Does The Non-Breadwinner In The Family Need Life Insurance? September 29, 2021
    Recently I was reading an article on all of the reasons people fail to buy life, disability and other types of insurance. Apparently there are a lot of misconceptions floating about and I wanted to take the opportunity to hopefully correct these ideas. Taking them one at at time I hope to explain these misconceptions over the next few posts.Last week I was t […]
  • 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.  […]