Surf Financial Brokers

For the last few years we at Surf Financial Brokers have offered a dental/vision/hearing combo plan. And to be honest, we weren't too cr...

In the last few weeks I have had some conversations with people who were considering Long Term Care (LTC) insurance. I always appreciate fol...

In my previous post I told the story of my aunt who spent 22 years in a nursing home after breaking her hip. Since her adult children were i...

When I speak to groups about long term care I usually start off by asking the audience to raise their hand if they know of someone who is ei...

Earlier this year when the Covid_19 epidemic began to invade the country we learned that long term care facilities were being hit hardest by...

In the last post told you about a couple of insurance products, namely life insurance and disability income insurance, that are a great fit ...

Again, I wanted to share some news items with you from the world of insurance, with a wee bit of comment added. Feel free to tag someone who...

This weekend I went to a grocery store that is a part of a large chain based in the southeast. They have a pharmacy that offers flu shots, w...

I recently received a postcard invitation to a nice local restaurant as part of a "retirement seminar". You may have found one of ...

Are you one of the millions of Americans in need of information about Medicare supplements? Each day, thousands of people who are on the cus...

When I give sales seminars I discuss how some things are easier to sell than others. For example, people want phones or cars or homes, but n...

The life insurance industry has tried to get one message across for years. That message is that we are all going to die and when we do, we c...

One of the many faults of our current healthcare system is the dizzying array of deductibles and out-of-pocket expenses that come when we le...

Selling insurance is a highly regulated affair. Agents have to go through a series of exams and ongoing training in many areas, such as our ...

Last week I was listening to an life insurance selling podcast (yes, I'm a nerd) and the topic was on why people get into selling insura...

There's a school of thought out there that says you should "buy term and invest the difference".  The people who tell you this...

I spent this week cleaning out my father's house. He passed away in February after a battle with Parkinson's Disease, leaving us wit...

I've been working with a client who expressed interest in purchasing a Long Term Care (LTCI) policy a few months back. As a matter of fa...

I hope everyone celebrated Mother's Day yesterday with mom, or in my case, remembering my mother and her legacy. Mother's Day conjur...

In the previous post we discussed Fixed Indexed Annuities (FIA's) and how they work. The basic concept behind them is that you give the ...