Monday, July 22, 2019
The Germans have a concept called “zeitgeist” or the spirit of the age. The philosophical concept behind this is that every era or generation has a set of animating ideas and beliefs that govern their view of the world and...
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Wednesday, July 17, 2019
As a business owner one of the most important things you have to worry about is making sure there is enough revenue coming through the doors in order to pay for all your expenses, such as rent/mortgage, payroll, insurance, utilities,...
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Wednesday, July 3, 2019
The answer to this question is “BOTH or NEITHER”. So what do I mean by this? Each has their own set of pros and cons. This article is designed to explain the differences, expose the “gotcha’s” and share...
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Friday, June 28, 2019
It is always difficult to lose a loved one, but at least you don’t have to worry about paying taxes on death benefits in most circumstances. Although it doesn’t happen, a lot, who owns your policy could have a tremendous...
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Monday, June 17, 2019
Our clients ask us this very question, not knowing if there is a real solution for them. They have thought that if they want to reward one or two employees, they would have to include all employees. In fact, the opposite is true. This...
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Wednesday, June 12, 2019
All businesses have one common feature. They are run by people, as in structural objects, people are open to many elements that can affect their daily routines. Part of those daily routines includes running their business. What if...
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Wednesday, May 15, 2019
When you first purchase a term contract from the insurance carrier, one of the last thoughts that most of our clients have is, “What happens if I get to the end of the term period?” Many times we get calls asking if they...
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Wednesday, May 8, 2019
We get this question a lot right after we ask this, “You mentioned needing $500,000 worth of insurance; how did you come up with that figure?” After an awkward but brief pause, they ask “So how much life insurance do...
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Wednesday, May 1, 2019
My last blog was about how to deal with premium increases on your Long-Term Care(LTC) contract. What if it happens again? Whether you accepted the rate increase or adjusted the coverage, you may have to deal with this again. After the...
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Saturday, April 13, 2019
This has never been an easy discussion with our clients but one that needs to be addressed sooner than later. When you purchased the coverage, you thought you would not have to deal with this until either you or your spouse needed care...
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Monday, April 1, 2019
Whether you received a letter from your insurance carrier telling you can convert or you received a call from an insurance agent stating that you have the ability to convert, most of our clients really do not understand what it means...
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Wednesday, March 27, 2019
This question is one that we get a lot over the last couple of years. At IFG, we do not sell group life insurance. Our firm is an independent operation that has over 40 carriers to shop rates with. With this article, I will provide an...
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