Agency Law Principal-Agent 2024 0209 – FSRA – [2023-015] – Comments – Consultation for Proposed Guidance on Life Insurance Agent & MGA Licensing Suitability  —  [BonkNote] CLHIA – Canadian Life and Health Insurance Association – Lyne Duhaime – [FSRA-2023-015] – 2024 0223 – 10p Reliance on Agency Law falls short: In practical terms, the vast majority of MGAs operate independently and support…

Read More

Apparent Authority 2018 – LC – Ciofoletti v. Securian Fin. Grp.  —  [BonkNote] No. 0:18-cv-03025-JNE-ECW (D. Minn.) – filed in federal court in St. Paul, Minnesota Doc 138 – Transcript – June 23, 2020 p27 – It’s Vacura v. Haar’s Equipment, Inc. It’s cited in the notes to this Jury Instruction, 364 N.W.2d 387 at…

Read More

Authority Actual Authority Apparent Authority 2018 – LC – Ciofoletti v. Securian Fin. Grp.  —  [BonkNote] No. 0:18-cv-03025-JNE-ECW (D. Minn.) – filed in federal court in St. Paul, Minnesota Doc 138 – Transcript – June 23, 2020 p27 – It’s Vacura v. Haar’s Equipment, Inc. It’s cited in the notes to this Jury Instruction, 364…

Read More

Chapter 4 – Universal Life (p53) – This Chapter explores the third type of permanent insurance, universal life (UL) insurance, which evolved after numerous modifications to whole life insurance.   (p261) – 11.6 Using illustrations [Bonk – [1]]: Understand, Underwriters – Coverage,  [Bonk – [2]]: Term vs Perm, Perm – Projections, Illustrations = Complex,  [Bonk…

Read More

LLQP – Life License Qualification Program 2014 03 – LLQP – Report on LLQP Curriculum – Survey Results, CISRO-OCRA – 24p 2014 03 – LLQP – Life License Qualification Program – Curriculum, CISRO-OCRA – 58p 2015 05 – LLQP – Life License Qualification Program – Curriculum, CISRO-OCRA – 59p https://www.fsrao.ca/sites/default/files/comments/2020-11/Comment%20Letter%20re%20FA%20and%20FP%20Title%20Regulation.pdf E311 – Life Insurance – 2022…

Read More

National Life Brokers Association Frank S.J. McIntosh Book – The Great Misrepresentation regarding the Cost of Life Insurance, by “A Study of Mutual Life Insurance Dividends”, National Analytical Service, Inc”.  – <WishList> Insurance Research Service Library National Analytical Service ia902303.us.archive.org/3/items/telephonedirecto00citi_11/telephonedirecto00citi_11.pdf North Carolina – 571 E. Main Street – 883-9333  – Book – How I Got…

Read More

Jail 2023 1129 – LIFE180, Chris Kirkpatrick – Curtis Ray | MPI vs Whole Life| REACTION By @LIFE180 & @GarrettGundersonTV – [VIDEO-YouTube] 19 – Garrett Gunderson – Florida, Homestead Act. you are going to jail, Shame on you Mutual of Omaha. David Rutstein – The People that are running your company may end up in jail. 20 – Sahid…

Read More

MGA – Managing General Agent 2023 1121 – FSRA – Proposed guidance on Life Insurance Agent & MGA Licensing Suitability  —  [BonkNote]  —  [link]  —  34p 2024 0209 – FSRA – [2023-015] – Comments – Consultation for Proposed Guidance on Life Insurance Agent & MGA Licensing Suitability  —  [BonkNote] BonkNote Comment – FSRA’s Life Agent and MGA Suitability Guidance – [2023-015] – 2024 0209 – 2p…

Read More

MDRT – Million Dollar Round Table mdrt.org/ mdrtacademy.org/en-US/membership/ youtube.com/@MillionDollarRoundTable/videos 1999 – Book – MDRT – Million Dollar Closing Techniques –  2021 1208 – MDRT – Massive goals build success – [VIDEO-YouTube-03:51] 2020 – Million Dollar Round Table – 10 minutes of favorite sales ideas from two industry greats – [VIDEO-YouTube-11:20] three buckets Cash Value Life Insurance We…

Read More