Life Lessons

Here are some of the lessons I have learned over my career:

1. TANSTAAFL, or There Ain’t No Such Thing As A Free Lunch.
2. The best kind of life insurance is the kind that is inforce when you need it. All other arguments come in a very distant second place.
3. Life insurance is like a parachute. If you don’t have it on and in place when you need it, you won’t ever need it again.
4. Beware of bargains in parachutes, fire extinguishers, life preservers, brain surgery and life insurance.
5. The premium is not the problem. The premium is the solution to the problem.
6. One-size-fits-all solutions are amateur-night-at-the-arena. The same is true of one-solution-fits-all financial strategies.
7. There is a difference between a bargain and a good value.
8. It is so difficult to live within one’s income. How can the survivors live without one?
9. Nobody thinks this is his or her last day.
10. A critic is one who hides in the hills while the battle is going on, then later comes down and shoots and loots the wounded.
11. People who know nothing about life insurance buy permanent life insurance. People who know a little about life insurance buy term life insurance. People who know a lot about life insurance buy permanent life insurance.

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