Insightful Insurance Observations Spring 2020

Last week, I was invited to be a guest lecturer on insurance for a U.C. Berkeley personal finance course. It was a great experience with insightful questions from the students.  Here are some of the issues that we discussed: What are insurance company financial strength ratings? The financial strength of an insurance company is highly … Read more

Get Ready Podcast: What’s Going On With Disability Insurance and Long Term Care Insurance

“Work hard & insure your income” Jack Schmitz “Challenge yourself to think about others who’ve had major health issues. You can live through a lot and there’s no need to suffer financially on your road to recovery.” Maxwell Schmitz  In this episode of Get Ready!, I spoke with Jack Schmitz, President of DI & LTC … Read more

September: Time To Review Your Insurance Portfolio

September is time to review your insurance portfolio, according to the GET READY! financial calendar. Download your free financial calendar (here). Reviewing your insurance policies now, will also help you be prepared for open enrollment. Doing so now, will help you make sure that your insurance coverage still meets your needs or if you will … Read more

What are your insurance gaps?

The recent earthquakes in Southern California are a good reminder that a financial service should match your needs and goals. This comes under the GET READY! Principle that You should receive customized service appropriate to your needs and goals. Your potential financial needs should be reviewed for each type of financial product under consideration and take … Read more

Book Give-Aways and Promotions

May is Disability Insurance Awareness Month. Did you know that 3 in 10 workers entering the workforce today will become disabled for some period of time before they retire (Social Security Administration, Fact Sheet, January 31, 2007)? Here’s Ten Things That You Need To Know About Disability Insurance. To Promote Awareness: Insurance Made Easy (here) … Read more

9 Insurance Questions for 2018

Change is coming slowly to the insurance industry and while 2017 showed much movement, 2018 will be the year that brings the next step in evolution for the insurance industry. In this post, I pose some of the questions and possible answers for the insurance industry this year. 1) Will this be the year that … Read more

Disability Insurance – Who Me?

Disability insurance is one of the most overlooked forms of coverage despite it being one of the most necessary types of coverage. The odds of becoming disabled because of an accident, injury or illness can be up to 1 in 4 people according to the Social Security Administration. The average duration of a disability insurance … Read more

Everything You Need To Know About Paramed Insurance Exams

Life Insurance premiums are based on many components and the premium you end up paying can vary significantly in your approach to reviewing your life insurance needs.  It’s always good to review your health history with multiple insurance companies as each company has it’s own underwriting criteria. It’s alway important to review your options and … Read more