Christmas Wishes

I think we can all agree that 2020 has been a bad year. For me personally it began with my father being hospitalized, followed by my own hospital stay (pancreatitis) and then the subsequent passing of my father. A month later, things started to shut down due to the Covid-19 pandemic. 

Millions of people around the world, and hundreds of thousands here in America, have been infected by the illness. Businesses and financial institutions have suffered, forcing the layoffs, furloughs and terminations of millions of jobs. What we thought was going to be a "V-shaped" recovery in the spring has become a deep financial recession.

As we go through this ordeal there is still hope. Vaccines are now becoming available and my gut tells me that by spring of 2021 we'll start to see the light at the end of the tunnel. It won't be a quick recovery, but more like a aircraft carrier trying to make a U-turn. Slow but steady advances. 

I also think that once things get back to normal (whatever that is) we will still have challenges. There will be some changes in the way we do things, like conducting business. The pandemic has created more "virtual" opportunities for businesses. As I've mentioned previously, we were in the process of starting to change months before the virus, but had to expedite things when we realized that traditional networking and sales processes were going to be disrupted. 

With all of this in mind, I have made a list of Christmas wishes for Santa to take a look at. Here it is. 

1. End the pandemic. The health and welfare of not just the USA but all countries needs to get back to a good place. Not being able to see loved ones, especially those who are already sick or in a facility, is heartbreaking. And it's taking a toll on the healthcare providers too.
2. Political calm. Our country is severely divided and I honestly don't think it is sustainable. Maybe we need something (not a war) to unify us again. A return to civility would be nice too. In the old days people would say, "I don't agree with you but I'll defend your right to your opinion." People don't say that anymore. It's just, "We're right and you're wrong." That needs to change.
3. More business opportunities. This is both on a micro and macro level. Of course, I want you all to go to my website and noodle around for life insurance and disability insurance quotes. And booking an appointment to talk to me about your insurance needs would be awesome too. But I also want everyone to get back to making money, supporting their families and feeling less stressful about their finances. 

There are a few good things to come out of all of this. Our new appreciation for those frontline workers and caregivers in medical centers and hospitals comes to mind. We learned that we can be very flexible when it comes to ways to do business, from conference calls to no-contact food delivery. We also found out how fragile our economy really is, with people from all backgrounds lined up for food distributions. Perhaps our leaders will consider this in the future. And the residual effects of this will still be with us for years to come.

As we end 2020, let's also remember those who didn't make it as well as those who are still fighting the good fight. Keep your head up and I hope you all have a Merry Christmas and a safe and healthy New Year!

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. And please subscribe to this blog! 

Getting Our Priorities Straight During the Holidays

With the holidays right around the corner I thought it would be appropriate to share a story from years ago when I was working for a very large insurance carrier. The agents were required to meet once a month and discuss our sales production numbers, and part of the process was that the veteran agents would give advice to the newer sales reps. 

As was usually the case in December, sales were down across the board. People generally don't buy much life or disability insurance before the holidays, with the exception of signing up for their benefits through work, so the agents were not too happy. I was one of them.

I shared how I would sit down with a couple to discuss life insurance, for instance, and would hear interesting excuses for not buying. "The holidays are coming and I need the money to buy a television," or "The new Iphone is coming out this week." 

That made no sense to me. "You have a wife and kids and a mortgage. If you were to die unexpectedly in the next few days, that cell phone isn't going to help your family stay in their home," I exclaimed to no avail.

Herein lies the problem for us insurance agents sometimes. We deal with people who mean well, and want to do right by their families, but their priorities are out of whack. The short term goals have overtaken the long term goals. Living in the moment is their mantra because "who knows what the future holds?" If they really want to know what is in store for them they should ask their elders. 

As I expressed these concerns to my colleagues at our sales meeting, a veteran agent laughed. "I know what you mean. Everyone is living in the moment, especially younger people. They think they are going to live forever and nothing will happen to them," he said. "But you have to help them understand that is wrong."

He continued to talk about the whole situation. "The holidays should be a time to emphasize the family. That should be their focus and if it isn't, then you need to make it their focus." It made sense. 

Of course we all want to have some nice gifts under the tree for the kids to open on Christmas morning. But trying to outdo ourselves (or anyone else for that matter) isn't what the holidays are all about. Wiping out our bank accounts at the end of the year over a phone or a television actually can make our festivities (and the new year) miserable. 

More importantly, all the gifts in the world can't make up for the loss of a loved one. So my message for you this year is this: It's fine to splurge a bit. This year has been tough on everyone, but remember that the holidays are about family, whether they are immediate, extended or otherwise. Make sure your priorities are in the right order. 

My job, as an insurance agent, is to make sure that your family will be able to continue to live comfortably if something should happen to you. Your priority should be making sure that your family is able to stay in their home and continue without you were to die unexpectedly. 

As I talk to my friends and clients I am learning that many have decided to cut back a bit on expenses this year. One less stocking stuffer or electronic gadget won't be missed. My wish for you and yours is to enjoy your family as much as you can. And please stay healthy! 

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. And please subscribe to this blog!