At the age of 13, I started filing papers at a law office owned by my father’s good friend, Howard Metzenbaum. That same year, Howard was forming a public company called APCOA. As I watched [...]

Your policy is guaranteed- why do I need to monitor it? Very few policies are fully guaranteed- I was shocked when speaking with a very astute CPA that this was their perception of [...]

The importance of biannual life insurance reviews; I believe it is critically important if insurance agents want to do whatever they can to improve on the dismal percentage of polices which [...]

Life is busy and if you are like anyone else who is driven by family, wealth management and quality of life, you have a lot of balls up in the air at any time.  [...]

Recently a CPA referred a client to me who owned a $1.5 million term policy. Rick, the policy owner, had no desire to keep or convert the policy. At 68, his health had only [...]

The most noticeable difference is that term life insurance provides death benefits only for a specific time period (aka the “term”) with no cash accumulation, while whole life insurance provides death benefits while it [...]