Has the Group insurance market become stagnant?

For the past year, The Benefit Guys have focused a lot of their attention in the Group Insurance market. With the Do Not Call legislation in effect, and the government monitoring and prosecuting offenders, calling on your average family for Life Insurance sales can be a risky thing unless you have purchased and follow the Do Not Call List. Who would have predicted the collapse of the economy in late 2008 and most of 2009. It has been our experience, that a lot of business owners have been in a wait and see mode. If they already have packages, the insurance companies have been discounting rates to keep them on the books to justify the decrease in new business. For those without benefit packages, business owners are in no hurry to add any new expenses to their bottom line. However, small businesses, i.e. husband and wife, can really take advantage of things like Health Spending Accounts, to take the money they are already spending, and make it tax deductible to their company at a very minimal cost. As for everyone else, we see 2010 as a year of incredible opportunity as the economy officially gets on the road to recovery and companies start to lighten their purse strings a little. So is the market stagnant? There is definitely business being done, but not at the rate it once was. As confidence builds amongst business owners, new business will definitely come back.

What the heck is Life Insurance Anyways?

What the Heck is Life Insurance Anyway

Mobile Advertising

Mobile Advertising
Originally uploaded by thebenefitguy

In today's day and age, it is very common to have a home office. It is also very common to have a mobile office. I just decided to label mine. Now I just have to make sure that my bluetooth still works for my cell phone headset for the new laws taking place the end of this month. I wonder if I get mobile internet for my laptop, perhaps I can get around the laws using Skype or MSN? If you see this sign ahead of you, be sure to keep your distance!

Flickr

This is a test post from , a fancy photo sharing thing.

Life Insurance for Mortgages

Life Insurance for Mortgages -

Has it been that long?

I was doing some certification earlier this week in order to maintain my Life Insurance License. As I went through my files, I realized it has been 9 yrs, going on 10 since I first wrote the examination. Where does the time go? I can't believe what has transpired in that short of time. Marriage, children, home ownership. So much has changed. My wife and I were discussing just the other night how time seems to speed up. I hope it is only temporary. There is too much to do and too little time to do it all in.