How Business Owners Use Life Insurance to Protect Their Families


Owning your own business has many perks and can bring plenty of freedom and success. You may have started a business because you like your independence or you wanted to get rich. You may like a challenge or simply want to build a better mousetrap or mop. Maybe you believe you can make the best pie, or computer, or automobile, and want to share your passion with the world. But will your business alone be enough to take care of your family in the future?

Taking Care of What’s Important

For many of us, owning a business is simply a way of living the good life, following a dream, and providing the best for our families. We desire to become independently wealthy and do what we want with our time. Since we are devoted to our spouse and children, we want to make sure our surviving family members can maintain the same standard of living even if we meet our tragic demise prematurely. As business owners, we often make provisions so our business can at least partially subsidize this ideal life in our absence.

However, the business usually cannot fully care for your family in the manner in which they have become accustomed. The full range of family financial needs, such as income replacement, mortgage protection, and retirement supplementation, cannot be met through the business alone. There is usually not enough to cover college funding or elder care for senior parents who become dependent, along with regular life expenses. As a result, life insurance is typically used to pick up the slack.

So how can you, as a business owner, ensure that your family is covered? Here are three quick tips for business owners for using life insurance to take care of their families.

Use Separate Policies

In many cases, the owner and beneficiary of a personal policy are different than for a business policy. A trust may be utilized, and a separate policy is therefore needed.
A personal life insurance policy will provide for your family and their future, while a business policy can provide for a buyout if your business has multiple partners. Make sure all your policies are separate and up-to-date so that there is no confusion or legal hold-ups if a tragedy occurs.

Use Multiple Policies

Most personal financial needs have different timelines. You may need 20 years to plan for college, but 40 years to plan for retirement. Separate policies with various face amounts and different guarantee periods can be employed to provide the exact sum of money for specific needs and further ensure that every aspect of your family’s life is taken care of. Take the time to look at all your family’s needs and determine what is necessary to provide for each one.

Beware of Tax Traps

Business owners like to have the business pay for everything. This practice can be very convenient and beneficial, but you need to know what you’re doing when it comes to taxes. You don’t want to get into a tax mess by using the wrong account for your life insurance payments. Get good tax advice from the right professional and cover your bases.

As a business owner, are you making sure that your family is taken care of? Do you know what type of life insurance you need and how to go about planning for your family’s care? I’d love to hear from you and answer any questions you may have.

Ask anything by connecting here.

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, or connect with him on LinkedIn.


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Practice Makes Permanent, Not Perfect


When we were children, we often took up some hobby or sport. Maybe it was piano playing, or tennis, or gymnastics. Inevitably, our coach or teacher tried to encourage us with these words: “practice makes perfect”.

This cliché probably sounded nice at the time, but it doesn’t ring true.

Perfection is Not the Goal

The idea of being “perfect” is quite lofty, but alas, an unattainable goal. Nobody achieves perfection. The real name of the game is perfecting yourself, but honestly, that notion is also very tough to relate to and frustrating to accomplish. For many people, the idea of becoming “perfect” in any way brings all kinds of self-doubt, anxiety, and pressure to perform. The quest for perfection introduces too many mental obstacles.

Believe it or not, the idea of “permanence” is much easier to work with.

Permanent Implies “This Is It”

Think about the idea of permanence. What words does it bring to mind? Solid? Everlasting? Sturdy? Unchangeable? These are concepts we can realistically relate to. Deep inside, we yearn for a state of permanence, of security, of stability, of something we can count on. Once something reaches a state of permanence, we know it will remain that way, for better or for worse.

Good Practice, Bad Practice

Once we start practicing something, we realize the compound effect of our activity. Toss a ball a certain way, and we will toss it that way again unless we change the way we throw it. The same goes for playing notes on a piano, performing surgery, and talking to clients. The entire world of human activity consists of people doing things the way they have been doing them because that’s how we’ve trained ourselves. The phrase “creatures of habit” is an understatement!

The Importance of Working Hard AND Working Right

People who have reached legendary levels of achievement understand this process. In every field of human endeavor, the masters strove to get it right every time.

An inspiring example is that of Ben Feldman. He was the Babe Ruth of the life insurance business. He literally changed the industry by raising the standards of sales and production. Nobody worked harder than he did at the sales process. He did all the behind-the-scenes research so he would know exactly what buttons to push in new prospects. He knew that regardless of his phenomenal reputation, each new client had to be won over. He would practice over and over and over again what he would say to them. He knew that when he finally booked the sales appointment, his presentation had to be natural and yet right-on. And it could only be that way by preparing for it the right way.

If he fell short, he understood that it was only because he had practiced insufficiently in the time leading up to the meeting.

The Only Way to “Win”

Does proper practice guarantee the desired results every time? Of course not. Not even Ben Feldman got the sale every day. But practicing right gives you two important benefits. First of all, it tilts the odds that the end result will indeed be what you want it to be. Clearly, the odds are against you getting what you want if you train incorrectly!

But more than that, practice gives you a feeling of contentment and accomplishment in spite of the results. There is a sense of satisfaction and enjoyment in a performance that is the product of thorough preparation. Whether you win or lose, you can say of the experience, “that was good!” And by the way, this is not an ego trip. It’s an appreciation of beauty, even a sense of wonder, of how the world can be when you try to put it all together after diligent and excellent practice.

So go forth and practice the right way, in whatever you do. Make the right way the permanent way.

Have you built a habit of practice into your life? If not, do you know where to start? I’d love to hear your thoughts!

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

The Basics of Premium Financing

The Basics of Premium Financing

What Is Premium Financing?

Premium financing is basically just borrowing money to pay life insurance premiums. High-net-worth individuals and companies use this strategy to obtain large amounts of life insurance with a minimal upfront expense. It is a means to retain capital by only paying interest on a loan that pays premiums instead of paying the actual premiums.

How Does It Work?

First, you need to set up an Irrevocable Life Insurance Trust (ILIT). This trust will hold the life insurance policy and pay the loan interest. Upon your death, the insurance proceeds are paid to the ILIT. Once the trust has paid off the loan, the rest of the funds will be distributed to your heirs.

After application and approval, a third-party lender loans money to the trust. The ILIT then uses the borrowed money to pay premiums to the insurance company. The trust also must make interest payments on the loan. You, the insured, will need to gift the trust the money to pay the interest. Gift taxes may be assessed on the funds that you give the trust.

Whether or not you or your ILIT obtains the loan, you are responsible for providing the collateral. Usually, you must post collateral equal to the difference between the cash surrender value of the policy and the loan balance. Collateral requirements are set by the lender, though, so sometimes the actual value of the collateralized assets can be greater than the loan.

Why Do People Use Premium Financing?

Many different kinds of people take advantage of premium financing. Sometimes they are owners of thriving businesses who do not want to stunt the business’s growth by withdrawing capital. Sometimes they are high-net-worth individuals who simply do not want to reduce their current cash flow. Sometimes they are people with vast real estate holdings with no interest in liquidation. Sometimes they are very profitable investors, not wanting to cash out their lucrative investments and pay the capital gains taxes.

No matter their situation, people use a premium financing strategy because they need life insurance for inheritance, business or tax issues, but they want to keep the funds that they would have to spend on premiums in more profitable investments.

Premium Financing Example

Here is a fictitious example of premium financing that illustrates the benefits of leverage and the opportunity cost involved:

John wants to buy life insurance with a $100,000 premium. His assets are currently invested and earning 10% returns. He has two options. He can finance the premiums at a 5% interest rate or he can cash out some of his investments to pay the premiums.

Option 1: Premium Financing

John takes the loan at 5% interest, so his interest payment is $5,000. He is left with $95,000 growing at 10%. At the end of the year, he has $104,500, which continues to grow year over year.

Option 2: Self Funding

Instead of financing the premiums, John opts to pay them himself. The $100,000 that he pulls out of investments had been earning 10%, so it is a $10,000 opportunity cost. Because he liquidated an investment, he also must pay capital gains taxes. Instead of pulling out $100,000 he has to pull out $120,000 to cover the cost of the taxes as well. Now, aside from the $10,000 opportunity cost, paying the premiums himself has cost him an additional $20,000.

Which option seems like a better financial decision for John? Which option might be best for you?

If you’re interested in learning more about premium financing or discussing if it’s the right strategy for you, email me at

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Financial Independence vs. Independent Wealth

This was my view of Macy's 4th of July Fireworks. It was an awesome show. I'm really happy that I got this shoot from this position. Nikon D3000, shot in RAW, edited in Adobe Lightroom 5.

Today we celebrate the independence of the United States of America. Happy birthday, USA! Let’s talk about what independence means from a financial point of view. There are two common ideas related to independence and money: financial independence, and independent wealth. What is the difference between them?

Two ways of taking advantage

Here’s a quick way to answer the question: do you want to be rich? Of course you do. If you were rich, you wouldn’t have to answer to anybody. You could tell anybody you wanted to go jump in the lake. That could be your boss. It could be your biggest client who drives you crazy. It could be the banker or other lender who puts the squeeze on you because he knows you don’t qualify for better terms. Or anybody else taking advantage of you.

On the other hand, it could be the parent who very kindly bails you out time and time again. It could be the government agency who throws money at you simply because you qualify for big government benefits due to a technicality. Or any other entity of which you were taking advantage, albeit legitimately.

The focus is on freedom

Financial independence means you are finally on your own. But here’s the catch: once you are on your own, do you want to have to work 60 hours a week to stay on your own? To put up with all the stress and aggravation and problems of retaining your independence? No, you really don’t. You would like to have a life free of the rat race, even if it is your own rat you are chasing. You want enough money to work because you want to, not because you have to. To do the things you want, on your own time. To not have to worry about paying your bills, or working for the Man – even if you are the Man, your own boss. To do this, you have to be more than financially independent – you have to be independently wealthy. There is the difference between the two.

So, when we plan for our careers and our businesses, let’s strive for Independent Wealth. When we purchase life insurance and plan for the welfare of our survivors, let’s help them remain independently wealthy. And when we chart a course for the future of our country, let’s reclaim our independence and get ourselves wealthy enough to keep it. God bless America. Land of the free, home of the brave, and a country that should be the most prosperous on earth.

Here are a few more resources for you on this topic:

Finally, A Definition Of ‘Independently Wealthy’ We Can Really Get Behind

What Does Independently Wealthy Mean?

Financially Independent vs. Independently Wealthy

Does the distinction between financial independence and independent wealth make sense to you?

Please feel free to comment, or to contact me directly with a specific question. If you need a quote now, or a second opinion on a quote you have received, the best thing to do is to call me toll-free at (866) 633-1818. Or email me at I also encourage you to download my free Life Insurance Guide – see the above tab. Many people have found it to be extremely educational.


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Follow Your Practice, Not Your Passion


Is passion the key to success? If you attended one of the many college graduations taking place these days, you’d think so. Every year around this time, impressionable graduates are encouraged by the commencement speaker to follow their passions. Don’t pursue a career for practicality or financial stability. As long as you follow your dreams and love what you do, you’ll never work a day in your life.

And we don’t just hear this at graduation ceremonies. When actors win Academy Awards or musicians win a Grammy, more often than not they preach to their fans (who are often aspiring stars) to never give up on their dreams. It’s a charming notion, but is it also naive? Will following our passion, regardless of what it takes, put us on the road to happiness, fulfillment, and everything we want out of life?

Passion vs. Ability

TV personality, Mike Rowe, emphatically answers, “No!” The author of “Dirty Jobs” and “Somebody’s Gotta Do It,” Rowe divulges the real deal about the role of passion in a short and sweet webinar he hosted through Prager University. If you don’t want to watch the webinar yourself, I’ll summarize it in a nutshell: passion and ability have nothing to do with one another, and ability is what really counts when you want to achieve anything in life.

I agree with Rowe’s opinion, and I think it rings true for everyone, whether they’re new grads entering the job marketplace, professionals rebuilding their careers, or successful entrepreneurs and empire builders. Passion is great to have, and it can help you stick it out during the rough times. But without ability, passion can’t take you all the way. Your ability can improve with practice and hard work, but ability is necessary, nonetheless.

When I started out in the life insurance business, I had to develop a sales practice from scratch. I cold-called prospects I picked out of a phonebook. I went door-to-door to hundreds of businesses around the county. Was I passionate about calling complete strangers or knocking on the doors of businesses day after day? Of course not. But this was the first step of starting a life insurance practice. I had to get into the practice of picking up the phone and knocking on doors. Pick up the phone, knock on the door. Pick up the phone, knock on the door. Eventually, I got better at it, started seeing results, adjusted my strategies based on what worked, and I eventually learned to like it. Today, I love my career and am proud of the success I’ve achieved over the years.

The Path to Success

I’m not the exception to the rule. Take a look at how any successful person reached their status. When I was in high school, my idol was Jim Ryun, the youngest guy to ever run a four-minute mile. I was a runner myself, and I read his autobiography to learn how he trained. He shared how he had to drag himself out into the heat, rain, cold, and snow for his morning workout, and then repeat the exact same schedule after school. Day after day after day. Eventually, he got better at it, started seeing results, adjusted his strategies based on what worked, and learned to like it.

What about the the time artists have to put in to become masters? Whether it’s martial arts, performing arts, or visual arts, artists have to practice their craft hundreds of thousands and millions of times, step-by-step, note by note, stroke by stroke. In the book, “Outliers,” author Malcolm Gladwell claims that the key to achieving expertise in any skill, is a matter of practicing the correct way, for around 10,000 hours total. That’s a lot of hours. But eventually, you get better at it, start seeing results, adjust your strategies based on what worked, and learn to like it.

Mike Rowe has it right: never follow your passion, but always bring it with you. Find an opportunity and prosper. Stick with it, and with enough practice and perseverance, things will fall into place for you and you’ll learn to love it.

Where do you fall in the passion versus ability discussion? What do you think matters most for achieving success? Hard work? Inherent skill? Luck? A little bit of everything? Drop me a line and let me know your thoughts. I’d love to discuss with you!

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

How to Escape the Trap of Self-Importance

Are you more important than other people?

Sure, in your own world you are king.

But everybody has their own spheres of influence.

Let’s suppose you act as if yours is more important than theirs.

How would that affect your relationship with them?

A Very Common Pitfall

Marcus Aurelius, philosopher and emperor of Rome (A.D. 161–180), talks about this in his Meditations:

 “From Alexander the Platonist: Not to be constantly telling people (or writing them) that I’m too busy, unless I really am. Similarly, not to be always ducking my responsibilities to the people around me because of ‘pressing business.'” – Meditations, I.12

Self importance is a common and dangerous psychological trap.

A Question of Habit

We can all get a little carried away with ourselves, and tend to think we are more important than we are.

This can work against!

If we place the concerns of other people as second priority, they can place our business as second priority, in return.

Clearly, no man is an island.

But there is so much more to avoiding the pitfalls of becoming self-important:

  • Self importance has many nuances. Most of them are not blatant and direct. They often take the form of subtle tactics to keep people away, and to place what is important to us ahead of what is important to them.
  • Self importance is a habit. We practice it. We develop a certain way of working with other people, and we adopt that as our norm.
  • Self-importance can be overcome by changing habits. We can willfully try to accommodate others, and make their concerns our own. The more we practice that, the more of a habit becomes.

An Especially Important Message for People with Wealth

Many people who have achieved wealth think they are more important than other people.

They think that money makes the man.

They forget all the “little people” who helped them get to where they are.

Ironically, this can mark the beginning of the end, because as people feel alienated from them, they will no longer want to do business with them.

Have You Developed Good Habits?

Each one of us is important in our own way.

We each have a circle of people who depend on us, and upon whom we depend.

Our contribution to them is important.

And their contribution to us is important.

And so it is important to live our life showing that we understand this.

And that takes practice.

What do you think? Have you developed the habit of showing other people that they are important, too?


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

How to Trust Your Wealth Advisor

How do you know you can trust somebody?

Simply because he says, “trust me?”

Or because he holds an important office, or a fancy title?

Or that he advertises himself as an “advisor?”

Not enough for you.

The key is making people prove they are trustworthy.

Trust Based on Sweat Equity

Marcus Aurelius talks about this in his Meditations:

“From Fronto: To recognize the malice, cunning, and hypocrisy that power produces, and the peculiar ruthlessness often shown by people from ‘good families.'” – Meditations, I.11

Here’s the bottom line: trust must be earned.

Looking Behind the Scenes

We all need to be able to trust others.

This includes family members, friends, and business associates.

But how do we know we can trust somebody?.

This is especially important when peopler have political power, or financial power, or are considered experts.

It’s not just a case of, “power corrupts, and absolute power corrupts absolutely.”

You have to be able to look behind the fascades of power.

  • Just because somebody has authority, doesn’t mean they should have power. Titles are just names. Authority means you have the ability to control and influence people’s lives. Power over the people must come from the people.
  • Social status doesn’t mean much. It is easy for people with money or connections to buy prestige. This doesn’t mean they are role models. Their benevolence towards other is what should lead people to look up to them.
  • Character is what people show behind closed doors. What people say to your face is one thing. What they do behind your back could be something else. But if the two are consistent, then at least you know who you’re dealing with.

No Advisor Should Take You for Granted

We all need wealth mentors and advisers.

We cannot grow without the proper counsel.

Many people have achieved wealth, but how many are worthy of our trust?

The right ones will continually seek to earn it.

Eagerness to Prove Trustworthiness

Trust is something that can’t be taken for granted.

Even if people are worthy of your trust today, circumstances might change tomorrow.

They then have to prove that they are once again worthy of your trust.

Should you give them the benefit of the doubt, based on past performance? Sure.

But if they have the right character, they will want to come through for you again.

Your trustworthiness is something you should want to show, every chance you get.

What do you think? Are you able to trust people? How?


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

How YOU Can Have the Confidence of a Champion

What is the hallmark trait of a champion?

Confidence has to be at the top of anybody’s list.

Are people born self-confident?

Maybe a little bit. But to achieve championship status, you have to work hard at it.

A good mentor can help you get there.

And that mentor could be your father or mother.

A Teacher for Life

Tiffani Hernandez wants to become an Olympic-caliber javelin thrower.

Unfortunately, she recently reached a plateau in her training.

Who do you think helped her get to the next rung of her achievement ladder?

Her coach?

A training specialist?


Her father – and he doesn’t even throw the javelin:

Clearly, he didn’t need to throw the javelin – or even be an athlete – to help his daughter make progress.

He just had to be a great mentor in life.

Because a great mentor in life can help you renew the confidence you need to reach your potential – in all areas.

Parents Can be the Ideal Life Coaches

We all need to learn how to apply natural laws to improve ourselves.

Our parents can help us learn these life lessons because our success in life is their chief concern..

Sure, everybody says that “‘parents have a lot of wisdom to offer their children.”

And that “children need their parents support in order to succeed.”

But there is a lot more to the mentoring our parents can give us!

  • A caring mentor can help you grow even if he is not a specialist in your field. You can trust him to help you look at yourself honestly. You can feel comfortable sharing with him your frustrations and confusion. He will help you move past your inner blocks.
  • A weakened self-confidence is often at the core of personal failure. We sometimes set our goals too high, and get disappointed in ourselves when we fail to achieve them. We then lapse into an “all or nothing mindset” where if we can’t achieve perfection, we can’t achieve anything.
  • Incremental changes work. Often times it is only a few small problems that can throw off the overall performance. By breaking down the execution into its component parts, the problem areas can be identified. Then small adjustments can be implemented to get everything else back in working order.

The Path to Riches Requires Life Mentoring, too

People are capable of earning and accumulating 20 times more wealth than they think they can.

A good Financial Mentor is really a good life mentor.

If you get on track for being all you can be in all areas of your life, then you will succeed financially as well.

Confidence and Gratitude

No doubt, people who have achieved greatness throughout the ages very frequently had a great mentor.

In many, many cases, that mentor was a parent.

These parents gave their children the confidence needed to succeed, and succeed again.

And that confidence is something for which the children can be forever grateful.

It will help them succeed in all areas of life – including, very importantly, finance.

What about you? Was your mother or father a good mentor? How?


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Whose Voice is Guiding Your Future?

In Ethiopia, girls are often mistreated.

1 in 3 can’t read.

1 in 3 don’t go to school.

1 in 5 feel socially alienated.

And then you have the problems of forced marriage, gender based violence, school drop out, and early pregnancy.

Isn’t anybody doing anything about this?

Yes! The girls are themselves.

Social Change through Drama, Talk, and Music.

Meet Yegna, Ethiopia’s first teen band.

They are showing their country – as well as the entire world – how to change for the better. By changing their culture,

For this is not only an Ethiopian problem, is it?

Aren’t girls the world over are treated as objects and second-class citizens?

And doesn’t every society – including the most civilized – need to upgrade its treatment of them?

Inspiration from the Bottom Up.

It’s gratifying to know that even people at the bottom rung of society’s latter – the uneducated and powerless – can lead the way to positive social change.

And its not just a question of saying, “Education is the solution to most of the world’s social problems.”

There is more to it than that:

  • Education is a means to an end, not an end unto itself. The answer to society’s problem is a different culture – one in which more advanced ideas are preached, and improved practices are adopted. And that culture can only be fertilized by an undeniable feeling that things must change for the better. Then, educational programs can be implemented to nurture that growth in the proper direction.
  • People need direction if they are to make positive changes in their lives. No doubt, the vast majority of mothers – and of all parents – in that society knew they were short-changing their daughters. They just didn’t know how to improve things, so by and large they just kept the status quo. And so they perpetuated the problem, however undesirable that was.
  • It is often the victims of oppression who take the lead in stopping it. They have the most at stake. Even well-intentioned outsiders cannot muster the motivation and determination to persist in spite of all obstacles. Most certainly, political elites cannot force a change from above based purely on ideology – or worse, a desire to control that change.

And That Goes for Life Insurance!

Life insurance is very frequently bought by an income provider for the benefit of his or her loved ones.

That is indeed noble, honorable, and the right thing to do.

But: it must be recognized that this is a product that does not benefit the insured, and only benefits the family members, business, or charity when the insured passes on.

These beneficiaries therefore have a great stake in the purchase of the product, and should always make their needs and desires known when a policy is designed.

Grass-Rooted Progress.

There you have it: people who become our future must be involved front and center in creating that future.

Otherwise, they could very well be short-changed in the process.

This applies to every sector sector of society, especially regarding our treatment of women.

And it has a special bearing on the world of finance.

What do you think? Do you find it easy to involve the people most affected by your decisions in your decisions?


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Is Your Life On Track?

track-362874_640Do you lie in bed worrying about tomorrow?

When you wake up, do you wish the day was over already?

Do too many things upset you?

It sounds like your life is off-track. Think so?

No worries. Getting back on track does not have to be hard.


That’s what it takes.

Marcus Aurelius makes this very point in Meditations I.5:

“From my first teacher: Not to support this side or that in chariot-racing, this fighter or that in the games. To put up with discomfort and not make demands. To do my own work, mind my own business, and have no time for slanderers.”

You and I both know that it is very easy to get pulled off the course of your life by the demands of others, or by your own personal whims.

What does it take to pull the brakes on such detours?


You must be resolved to stay the course.

And – special note – if the course isn’t good, to get on a better course.

BIG POINT HERE: don’t be afraid to change.

Most people think that the name of the game in life is to go with the winners, and leave the losers behind.

NOPE. Not the case.

Think about it:

  • We are all going to be winners or losers at some point. Win some, lose some, is true. Life has its ups and downs. Nobody remains a hero forever, and nobody remains a bum forever.
  • The easy way ends up being hard, and the hard way ends up being easy. I am sure you know that from your own experience. How many times have you put something off, or avoided a problem, only to have it come back and be double- hard to fix the next time around? And how many times have you just put your mind to something and found out that it wasn’t half as hard as you thought it would be?
  • If you stay focused on your own agenda, you won’t have any time to abide by the agenda of others. So many people have a scheme A whole lot of people just want to pull you in and have you do all their work. They could be salesmen, clergymen, politicians, the gamut. But if you keep your nose to the grindstone, you’ll be too busy to let them loop you in.

DON’T chase the winners.

The world of finance is full of hot and trendy things.

You know how people like to dazzle us with big numbers and bold statements.

All too often, what is trendy or hot in the financial world very often has no long-term value or benefit.

So, the model they use for anti-drug education in schools should be adopted when being tempted by the latest and the greatest financial deal: just say NO.

AVOID TROUBLE down the road.

Yes, it can be done.

People actually can make decisions that maximize their  benefit and minimize their cost.

It takes work to keep on track, but once you find the work is worth it, you stay motivated to keep plugging away.

A better life is the payoff: Better money. Better relationships. Better times.

Is your life better? How did you do that? What else do you have to do?


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Think Big, Stand Tall, Get Rich

YOU can be a mover.

A shaker.

A creator.

Especially if you are young.

Even if you have no money or family connections.

Despite what all the naysayers tell you.

And you can start it NOW.

You just need to be excited.

Can you hear the beat of your own drum?

Artist and Activist Henry Rollins helps us hear our own inner calling with this short and sweet video:

You know what the bottom line is here?

Very simply:

YOUR life is what YOU make of it!

Life is an “equal opportunity employer” when it comes to chances to be great.

No one has an edge.

We can each be a mover, shaker, or creator – in our own way! 

Generate your own excitement!

Everybody knows that “You can do whatever you set your mind to.”

And, “Don’t let anyone kill your dream.”

Sure, but let’s take a look at what that all means:

  • You are who you are because of who you come, not because of what you have. You know that, right? How many people do you know – or have heard about – that have a ton of stuff, but are bad apples?
  • We must each accept what we have and make the best of it.  We have what we have. Some people have more than you, and some have less. Whatever we have is our starting point. We take it from there.
  • A strong moral compass and sense of civic duty are key to getting the most out of yourself, and out of life.  It’s more than just thinking big – it’s thinking big and also tall. Big in the sense that you go for it – be all you can be. Tall in the sense that you stand tall and be able to look at yourself in the mirror each day of your journey.

People who think rich, get rich.

You can see how this all applies to the world of money.

Even people who start with nothing can become rich!

How many rags-to-riches stories have you heard?

Do you think these men and women sat around grumbling about what they didn’t have?!

No WAY!  They made the most of what they had. And so could you!

Turning lemons into lemonade.

There is always going to be somebody who has more money than you, and someone who has less.

Better connections than you, and also worse than you.

Attended a better school, and also a worse school.

None of it matters.

You have been given enough to run with. Nobody will make the most of it for you.

Only you can.

You just need to be excited about the prospects..

What excites you?


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

A Good Man takes a man to make a man.

I know, I know.

Some people believe it takes a village to raise a child.

Others go with two moms, or two dads.

And how about single moms?

Or when grandma raises the kids?

There is room for a whole diversity of opinion, right?

Let’s start with the idea that boys need their dads.

Marcus Aurelius thinks so.

The idea of manliness

Here is what this great philosopher says about the topic in his Meditations:

“My father (from my own memories and his reputation) – integrity and manliness.”

You know why this idea resonates with me?

Because the world needs men who are men.

Not in the macho sense, but in the sense of people who will take charge, protect others, and be courageous.

Whom to admire?

Being a man is not just about being tough and strong.

Far from it.

Being a man means:

  • Being good. Having clear values and being guided by them. Taking a stand. Saying “No!” when you must.
  • Doing the right thing. Developing a good reputation. Learning from your experience. Honoring your teachers – especially your parents.
  • Doing good for others. Taking charge. Protecting the weak. Giving people courage.

Manliness as a legacy

Yep. The big, hairy brute is not the epitome of manliness. The strong, caring man is, however.

This is very true with regards to money.

In the world of finance, the man steps up and buys the life insurance he needs to protect his family, even when he is not around to provide for them.

That is a supreme act of love and caring.  The real man provides for his family from the grave, you might say.

The path to goodness

The fact of the matter is that the great men of history have come from all types of families.

Many, in fact, were orphans.

Some achieved their greatness because of their childhood circumstances; others, in spite of them.

But they all did good in some way.

What do you think it takes to make a good man?


Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.