Reasonable Person As in every other business, an insurance agent’s primary enterprise is to sell insurance, a vocation no adult consumer would confuse with a religious order.[12] Concomitantly, a reasonable buyer of insurance (or any other product) must, at peril of caveat emptor, act as a reasonable consumer, e.g., research her needs from multiple sources and price-shop for policies.[13] [12] “[F]or…

Read More

Q: How Does This Whole System Work? We believe it is very important for the subcommittee, and other committees in Congress with jurisdiction over insurance, to have a sound understanding of how our industry operates… (p26) —  Statement of Gary E. Hughes, Executive Vice President & General Counsel, American Council of Life Insurers (ACLI) 2011…

Read More

Doublespeak 2015 / 1989 – Book – Doublespeak, by William Lutz – 280p 2023 0324 – Always Marco – Multi-Level Misery LIVE – [VIDEO-YouTube-02:16:18] Something as common as as Life Insurance is really Death Insurance. – William Lutz 1982 0415 – Pittsburgh Post-Gazette – Speaking Without Communicating, Page 52 – newspapers.com/article/pittsburgh-post-gazette/154014630/

Read More

PBD – Patrick Bet-David PHP – People Helping People Valuetainment WFG – World Financial Group 8% Nation 2021 0422 – Coffeezilla / The High Vibration Congregation – Confronting Patrick Bet-David – [PBD] LIVE – [PHP – People Helping People  —  [BonkNote]  —  [VIDEO-YouTube-03:01:51] 44 – Coffeezilla – most people won’t make any money PBD -…

Read More

Scientology 1995 0322 – WSJ – AllState Applied Scientology Methods to Train Its Management, by Rochelle Sharpe – 10p – <WishList – Original Article> 1995 0323 – Tampa Bay Times – AllState Used Scientolgy Training – Page 1 –  1995 0323 – The Miami Herald – AllState Consultant a Mistake – newpapers.com – [Part 1-link]  ///  [Part…

Read More

Grady Polcyn youtube.com/@GradyPolcyn VP of Family First Life America 2023 0328 – Grady Polcyn – IULs: What Are They and How Do You Find Them? – [VIDEO-YouTube-21:44] Client Example – Mary – 79 yo woman – UL –  UL History – BTID – Is this even Life Insurance –  Target Premium – Minimum Premium 6 – How…

Read More

Barry Flagg Verlalytic 2017 0522 – Veralytic – Criticism of Hybrid Life Insurance Products – [Barry Flagg] – [VIDEO-YouTube-46:56] SEC 151A, Harkin Amendment Red Flags 35 – HyperFunding – [Bonk: Curtis Ray – MPI-?] Indexed Loans 46 – Premium Financing [Bonk:  Participation Rates / Cap Rates [Bonk: 2012 0110 – BrokersAlliance – Introduction to Indexed Universal…

Read More

Larry Rybka Valmark 2021 – NAEPC Hall of Fame Award Recipient 2005 07 – JFSP – Guesses, Projections, Promises and Guarantees, Journal of Financial Service Professionals, by Lawrence J. Rybka, J.D., CFP® – 11p 2019 10 – NAEPC JOURNAL – How to Retire in the Magical Retirement Income in the Clouds, Issue 32, by Lawrence…

Read More

Curtis Ray compoundinterest.com/ SunCor MPI® Premium Strategy Washington – Cease and Desist Curtis Ray – Comments About – Curtis Ray – What Happens To MPI® In A Down Market? – 8 – Reloc (known as a Participating Loan) in an IUL – [Bonk: bottom of screen in Video] Intro to MPI® Premium Strategy – issuu.com/eeup/docs/intro_to_mpi_premium_strategy_2023…

Read More