by Daniel C. Steenerson, CLU, ChFC, RHU | Dec 4, 2012
AG 38 is a hot topic in the life insurance business right now. So what is it? AG 38 stands for “Actuarial Guideline 38.” It’s a new requirement for life insurance carriers to hold more reserves for products that contain a “secondary guarantee” (long-term death benefit...
by Daniel C. Steenerson, CLU, ChFC, RHU | Oct 30, 2012
Have you heard of the Platinum Rule? According to best-selling author Tony Alessandra, the Platinum Rule is: “Treat others the way they want to be treated.” This rule is different than the Golden Rule we all learned as kids, “Treat others in the way that...
by Daniel C. Steenerson, CLU, ChFC, RHU | Oct 16, 2012
Today, more and more women classify themselves as the breadwinners of their households. They’re earning more, and they’re often the primary financial decision makers. This makes women’s need for paycheck protection and personalized advice greater than it’s ever been....
by Daniel C. Steenerson, CLU, ChFC, RHU | Oct 9, 2012
People do the craziest things, whether they’re working hard or playing harder. Fueled by misjudgment, lack of concentration, poor preparation, or just plain carelessness, some people have a knack for turning an enjoyable weekend into a disabling injury that knocks...
by Daniel C. Steenerson, CLU, ChFC, RHU | Sep 18, 2012
If you’re looking for ways to boost your disability insurance quotes, you should be looking into professional associations. Nearly every industry and every group of professionals has its own association – dentists, attorneys, accountants, physicians, and more. In...
