Surf Financial Brokers

Recently we have had clients (and prospective clients) ask questions about our Disability Insurance plans. Specifically, they have been aski...

There are two things that most people can agree on when it comes to Long Term Care services. The first is that people are living longer, and...

  Long-term care insurance is a crucial financial tool that can protect you and your loved ones from the significant costs associated with ...

Two weeks ago I was asked to give a talk to a local networking group about long term care insurance, as well as other related subjects. Most...

When I first got into the insurance business I didn't have a mentor or anyone to "show me the ropes" per se. I learned quickly...

Even though Covid has been the main medical headline for the last year or so, other serious health issues are still leading to more deaths. ...

One of the most undersold insurance products is individual disability insurance (DI). The reasons for this vary, but many people think of di...

People who buy term life insurance usually do it because it is extremely affordable and it fits well within their budget during their workin...

In the previous posts we took a look at what Long Term Care (LTC) is as well as how those who suffer from chronic illnesses are cared for in...

In the previous post we looked at Long Term Care (LTC) services and when people need them. Included in that summary was how expensive LTC ca...

Over the past year nursing homes, assisted living facilities and other facilities that house the chronically ill, mostly the elderly*, have ...

Life insurance can be essential for protecting your family financially in case of a tragedy, but many people go without it. In fact, nearly ...

If you or a loved one ever need help with daily living activities, you will discover that custodial care can be expensive. That’s true wheth...

In the previous post I explained how Indexed Universal Life (IUL) is a great alternative for those who would like their life insurance polic...

In a former life I had a securities license and sold products like mutual funds and variable annuities. Retirement planning was also part of...