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"I don't want to pay commissions." Understanding Life Insurance and Annuity Commissions
The word 'commission' can bring about a few unpleasant thoughts. It's often associated with over-priced and under-represented items such...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 24 min read


F.A.Q. #17: What happens when one is declined for life insurance? Is it really that bad?
The way some insurance agents act about getting a decline, almost makes it like the proverbial "kiss of death" of someone ever getting...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 12 min read


How Permanent is "Permanent"?
When Congress labels a tax provision as “permanent,” it often only means “for now”—because many also come with built‑in expiration dates,...

David H. Kinder, RFC®, ChFC®, CLU®
Sep 212 min read


Is Cash Value Life Insurance (Whole Life or IUL)... a Scam?
I've written a lot about life insurance here on this blog. Some people even consider me to be an 'expert'. (I don't necessarily believe...

David H. Kinder, RFC®, ChFC®, CLU®
Sep 205 min read


Gratitude in Freedom: Love the Country that Lets You Argue With It
This is not my usual theme for my blog, but these are dangerous times and with the help of AI to help me crystalize my thoughts, I wanted...

David H. Kinder, RFC®, ChFC®, CLU®
Sep 1216 min read


Is Your Agent or Advisor a SITH Lord?
Does your agent or advisor use the following terms: "Always", "Never", "All", "None", "Only", "Everyone" or "No one"? I find it...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 253 min read


Make Money by Borrowing Against Cash Value Life Insurance? Don't Count On It!
I am a big fan of cash value life insurance (obviously). There are some amazing things that can only be done using life insurance....

David H. Kinder, RFC®, ChFC®, CLU®
Aug 205 min read


There are Only Three Kinds of Financial Plans
In Robert Kiyosaki's book "Guide to Investing" (the 3rd in a series of his bestselling books), he outlines three areas of financial values.

David H. Kinder, RFC®, ChFC®, CLU®
Aug 45 min read


Professionals Don't Use Malicious Language
I've been paying a bit more attention to the use of this when someone on TikTok decided to create a short TikTok on someone I know...

David H. Kinder, RFC®, ChFC®, CLU®
Jul 123 min read


Social Security Applauds Passage of Legislation Providing Historic Tax Relief for Seniors & my thoughts
The Social Security Administration (SSA) is celebrating the passage of the One Big, Beautiful Bill, a landmark piece of legislation that...

David H. Kinder, RFC®, ChFC®, CLU®
Jul 32 min read
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