David H. Kinder, RFC®, ChFC®, CLU® 
Asset Structuring Architecture & Design
David Kinder Insurance and Financial Wealth Solutions
David Kinder Financial Consulting and Analysis Services

Life insurance policies have long been heralded as “the great financial Swiss Army knife” in financial planning (by those who know how to...

As I often do with my blog, I’m going to vent a bit due to the unskilled and amateurish attempts of others who have gone before. ...

One of the tests of a valuable agent is that they are available for service and advice AFTER the sale. Unfortunately, insurance company customer service is NOT a source of advice. They can tell you what you CAN do and they will do what you REQUEST of them… but not necessarily give you ideas on the best ways to go. Case in point: Back in 2000, my father experienced a downturn in his business. He runs a county-owned (or state owned - depending on California politics) cafet

Well, this headline and pic should get plenty of attention on my LinkedIn and Facebook channels! I decided to do a series of posts on...

This myth is an interesting one. And this myth strikes at the core of how ethical one’s profession and conduct really is. Is the life insurance profession one of moral and ethical character? The industry at large… might not be of the highest moral character! But individual agents, advisors, and consultants… SHOULD be of the highest moral and ethical character! Just about 3 years ago or so, I heard a clip from a radio show of VERY well known investment advisor talk about

First, I’m going to start with a rant and then show some understanding. The training in the life insurance profession is severely lacking, and I don’t just mean selling skills to help agents be successful. In my first agency, we had product training every Monday morning from 9am to 11am. However, this was not GOOD product training. We learned WHAT we could do with the company’s products, but not WHY someone would want to do it. Why would someone WANT to spend $10,000 a

This concept has many different names - all a variation on a theme: "Infinite Banking", "Bank on Yourself", "Banker's Secret to Family...

In an earlier blog post, I talked about "needs-based" financial planning and that it was a product of financial companies putting their...