Surf Financial Brokers

We can all agree that we live in a world of TV ads, social media posts and lots of other noise pertaining to most products, their benefits a...

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 ...

As we age, our chances of needing some form of long-term care increase. This could mean needing help with activities of daily living (ADLs) ...

When people are planning for retirement, one very important piece of the puzzle is often neglected. While thinking of once-in-a-lifetime tri...

Were you aware that this country has a looming retirement crisis? The truth is that far too many people are not contributing to any type of ...

When I originally got into the insurance business the internet didn't exist. Agents would carry rate books with incredibly small print a...

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...

A few weeks back I joined an online chat with some people I really didn't know but who had some valuable information to offer. Fortunate...

A few months back I ran into a great lady who had purchased a life insurance policy from me many years ago. We had stayed in touch for a few...

People generally don't want to have to take on a new monthly bill, especially if it is for something they do not plan on using, like lif...

One of the reasons for starting this blog was to help educate the public in the many facets of insurance. The business can be confusing for ...

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 ...

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...

Life insurance is like your car, your home and a lot of other things you own in that one has to do "maintenance" on it from time t...