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Buyer Beware... of False Promises Appearing Real Part 1 (Index Multipliers)
Today, I was on a webinar with one of the insurance companies I represent that was giving a new product overview of a life insurance...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 28, 20192 min read


Who Am I?
WHO AM I? Author Unknown I am a piece of paper - but even more - I am an idea… a promise I help an Individual see visions and dream...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 23, 20191 min read


Myth #8: Life Insurance Is NOT An Investment
This myth is born out of over-bearing and over-cautious insurance and financial services compliance departments (and those who only...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 22, 20193 min read


Myth #7: The Theory of Decreasing Responsibility
This is an interesting 'myth' because it makes a lot of common sense. If life insurance is always seen as a cost and if you can...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 16, 20193 min read


Myth #6: Dividends Are Just A Return Of Unused (Overcharged) Premium
And here's another myth to be busted. "Dividends are just a return of unused (overcharged) premium." This is a myth perpetuated by those who do not understand the underlying economics within a cash value life insurance contract, but we'll go ahead and explore where this came from and why it's true... and false, all at the same time. Cash value life insurance has some of the GREATEST benefits in the tax code. As such, every few years, it comes UNDER ATTACK by members of the

David H. Kinder, RFC®, ChFC®, CLU®
Oct 14, 20194 min read


Are regulators ALWAYS looking after consumer's best interests?
Today, I received an email notification from a large annuity insurance company. It was based primarily on compliance and regulations, but this line really stood out to me: California only: Unfortunately, the Nursing Care and Terminal Illness Rider will no longer be available on any [insert insurance company name here] products. This company is not the only one. I've looked with many companies and the vast majority of companies have discontinued these riders for California

David H. Kinder, RFC®, ChFC®, CLU®
Oct 3, 20192 min read


Theory: Why Don’t Life Insurance Companies Promote How Great Life Insurance Is?
Becoming a professional life insurance agent is one of the hardest careers to embark upon. It really shouldn’t be, but it is. One reason...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 22, 20194 min read
I LOVE getting published!
InvestmentNews columnist Greg Iacurci contacted me earlier for my thoughts on the recent SEC Investor Bulletin regarding Indexed...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 16, 20191 min read


F.A.Q. #3 - Don't You Need Securities In Your Financial Planning and Retirement Portfolio Today?
Today's blog post is an adaptation and direct citation of an article by Hank Brock, CPA, MBA, ChFC, CLU, RFC that was originally...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 15, 20195 min read


Have you "financially underwritten" your chosen degree program?
Throughout the presidential campaign, we've heard about the "student loan epidemic", right? That college and university degrees are...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 15, 20193 min read
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