• 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 […]

  • 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 […]
  • What Is Life Insurance Laddering? June 17, 2021
    One of the most confusing issues about buying life insurance is knowing how much you will need at different points of your life. As your personal situation changes over time, so will your life insurance needs. Marriage, having children, buying a home or starting a business can mean incremental differences in your coverage. And as you get older, your life ins […]
  • How Can I Use Life Insurance To Fund College Tuition Costs? June 16, 2021
    A few months ago I had a discussion with a friend of mine, whom I'll call Bob, who was concerned about paying for his child's education costs if and when he went off to college. Bob had been divorced a couple of years and his son was in first grade at the time of our conversation. Bob has his own business and does pretty well financially, but he is […]
  • How Do I Get Free Money For Getting An Annual Physical? June 14, 2021
    Sometimes I feel as if I do nothing but discuss life insurance on this blog, when there are plenty of other kinds of insurance to talk about. Yes, from time to time I will write about the need for disability insurance (part of my "Holy Trinity of Insurance") as well as other plans, but I don't feel as if I'm doing them all justice. Especi […]