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Myth #18: Act of War, War Exclusion Clauses with Life Insurance
There is a myth out there that life insurance companies may not pay out a death benefit in the event a soldier dies in the line of duty...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 2, 20242 min read


What is the purpose of insurance continuing education courses?
This month, I celebrate my 20th year as a licensed insurance agent. I also got a new notice of new continuing education requirements...

David H. Kinder, RFC®, ChFC®, CLU®
Aug 5, 20242 min read


Salesperson vs Client Building: What's the Difference? Is one better than the other? Motives behind each!
This morning, I woke up to a comment on one of my YouTube videos. It said "Spoken like a true insurance salesman." There is one company...

David H. Kinder, RFC®, ChFC®, CLU®
Jul 29, 20243 min read


Some concerns about IUL: Podcast Episode 1
There is a lot of talk and posts about IUL out there, particularly on social media. Normally, I wouldn't use an acronym, but awareness...

David H. Kinder, RFC®, ChFC®, CLU®
Jun 7, 20241 min read


Common refrain: "It's not for everyone."
This is a common refrain that is often said regarding financial advice and how various products and concepts may or may not apply to...

David H. Kinder, RFC®, ChFC®, CLU®
May 30, 20242 min read


Divorce is harder to plan for with infinitely more emotions
This article is probably more for me to help clarify this subject more than anyone else. I am on a committee to help expand on a...

David H. Kinder, RFC®, ChFC®, CLU®
May 7, 20245 min read


Some ranting on my part
It's unfortunate how little life insurance and annuities are understood, by the general public as well as agents & advisors. First, the...

David H. Kinder, RFC®, ChFC®, CLU®
Dec 10, 20232 min read


Dissecting Forbes article regarding Life Insurance Policy Loan Dangers
Let me first start by stating that it is not my intention to create rebuttal articles to everything written and found on the internet. ...

David H. Kinder, RFC®, ChFC®, CLU®
Nov 20, 20238 min read


FINRA studies confirms emotional bias when determing consumer investment risk tolerance!
This image comes from Tom Hegna's new book "Who wants to be a millionaire?" (where I am also quoted extensively). What does this graph...

David H. Kinder, RFC®, ChFC®, CLU®
Nov 12, 20233 min read


There are ONLY Two Kinds of Life Insurance Policies: Protection (death benefit) and Tax Code.
That's a rather bold statement that no one else seems to make, so I am going to clarify (as I always do). I'm not necessarily talking...

David H. Kinder, RFC®, ChFC®, CLU®
Oct 18, 20233 min read
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