February 14, 2016

Life/Disability Insurance, do I really need it?

Do I really need life and disability insurance?  Before you can answer this question you need to provide some honest answers to a number of questions.  But first, let’s set a foundation for considering these questions. Human Capital v. Financial Capital When we start out in life on our own, taking over responsibility for ourselves from our parents, we typically have a lot of human […]
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March 14, 2016

Commissions – The Dirty Truth

Before I dish the dirt on insurance commissions, let’s be clear that what I’m about to tell you does not in any way impact on your need for insurance, only how you go about establishing life and disability insurance.  If you are not sure whether you need insurance please refer to last months post. OK, lets get going.  Anyone that has taken out life or […]
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September 11, 2018

Tricks & Traps – Insurance Premium Payments

I recently saw it reported that 95% of insurance premiums are paid monthly.  So what you say?  Surely that helps with managing cash flow. I suspect it does, but maybe not the cash flows you’re thinking.  Call me cynical, but I think it has more to do with the cash flow position of the adviser that sold the policy and the insurer than it does […]
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February 14, 2016

Life/Disability Insurance, do I really need it?

Do I really need life and disability insurance?  Before you can answer this question you need to provide some honest answers to a number of questions.  But first, let’s set a foundation for considering these questions. Human Capital v. Financial Capital When we start out in life on our own, taking over responsibility for ourselves from our parents, we typically have a lot of human […]
Do you like it?
Read more
March 14, 2016

Commissions – The Dirty Truth

Before I dish the dirt on insurance commissions, let’s be clear that what I’m about to tell you does not in any way impact on your need for insurance, only how you go about establishing life and disability insurance.  If you are not sure whether you need insurance please refer to last months post. OK, lets get going.  Anyone that has taken out life or […]
Do you like it?
Read more
September 11, 2018

Tricks & Traps – Insurance Premium Payments

I recently saw it reported that 95% of insurance premiums are paid monthly.  So what you say?  Surely that helps with managing cash flow. I suspect it does, but maybe not the cash flows you’re thinking.  Call me cynical, but I think it has more to do with the cash flow position of the adviser that sold the policy and the insurer than it does […]
Do you like it?
Read more