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F.A.Q. #1 - Are You A Fiduciary?
I have an Android phone. I check my Google Chrome application at least daily. Because of my profession, I get a fair amount of articles...
David H. Kinder, RFC®, ChFC®, CLU®
Nov 4, 20196 min read
Perspective: Why I do what I do the way I do it!
I have a LOT of agents and advisors that read my blog. They benefit from the perspective and learning I've done in my professional...
David H. Kinder, RFC®, ChFC®, CLU®
Nov 2, 20195 min read
Why Traditional Planning Is Designed To Fail You: The 4 Rules of Financial Institutions
If you were to open a bank, financial institution, Wall Street-based institution, or even the Internal Revenue Service division... what would be your criteria to ensure that you were running a profitable business? To build a profitable financial business, then you would live by four rules - the same four rules that EVERY financial institution (and Government) live by. Rule #1: They want ALL your money. (Somehow, the word 'duh' comes to mind.) Banks: When I worked for a larg
David H. Kinder, RFC®, ChFC®, CLU®
Nov 1, 20195 min read
Theory: Why Don't More Advisors Understand Cash Value Life Insurance?
I'm a voracious reader (sometimes a bit too much). When I entered the financial advisor profession in 2004, I wanted every advantage I...
David H. Kinder, RFC®, ChFC®, CLU®
Nov 1, 20194 min read
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
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