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“Human nature continues to get in our way. But of course this perpetual uphill battle defines our chosen profession. What I would like to suggest is that this remains a double-edged sword. Perhaps the greatest flaw in our sales history is the propensity to sell what arrived in our briefcase at the moment of a […]

You simply do not want to be the company that does not have a critical illness/long term care combo option.

“Suggesting that Americans are unprepared for inevitable future emotional and financial turmoil falls into the cosmic understatement category. Only one in five have a will or any last directives. Just a little over half own any form of life insurance. We are lousy at saving, having an average of only $15,000 put aside. Yet we […]

“Like Willy Wonka’s chocolate factory, we now live in a world of “combo” confections coming in all combinations of flavors, sizes and colors. Confusion, misunderstandings and frankly a potential abundance of experience disappointments, stand before us like a solid and forbidding rock candy mountain. Some light has been recently shed on the mysteries and old […]

“Recently an industry publication offered a headline that even State Regulators were confused about regarding chronic illness combo/hybrid policy offerings. That same confusion is rampant through the ranks of all concerned. As has been suggested previously in this column, there is little if any consensus on the balance of pricing assumptions. We do seem to […]

Here is the latest from the NewsMax Finance monthly column by GWG Life’s, Chris Orestis – EVP of Secondary Markets. “How to Financially Prepare When Loved Ones Can No Longer Live Alone” Read Article

“Even before the Long Term Care provisions of the PPA went into effect in January, 2010, it was repeatedly predicted in this column that the day would come when almost every life company would have some form of long term care or chronic illness rider. It is simply too easy to sell against those who […]