Make Results, Not Excuses

Make Results, Not ExcusesThe time you spend making excuses, avoiding accountability and difficult conversations would be better spent doing the work you need to be doing. Excuses never produced a single result; avoiding accountability never built a legacy. The time and energy you spend feeling sorry for yourself and whining to other people about how difficult something is would be better invested in doing the very task you are avoiding. There’s no prize for feeling sorry for yourself.

The time and angst you spend trying to find ways to avoid what needs to be done, searching for shortcuts or looking at information you think confirms your belief should be directed to your most important work. You don’t need to work smarter; you need to work harder. And there’s no amount of information confirming your beliefs that will relieve you of your obligation to produce results. You can invest in your excuses, or invest in results. One choice will make you comfortable, temporarily, and one will make you happy.

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Young Consumers Shy From Life Insurance

Young Consumers Shy From Life InsuranceMany young Americans turned their backs on the life insurance market in November. The number of Americans 44 and younger who applied for coverage last month was 9.4% lower than in November 2017, according to new data from MIB. The drop in November follows a 7.3% year-over-year drop for the 44-and-under age group in October. Life insurance application activity was off 4.7% year-over-year. Confirming a demographic shift in purchasing, older age life insurance activity showed its strongest divergence yet from the 0-44 age group in November. The long-term trend shows the Index stable across the first three quarters of 2018, only to show weakness in Q4. November activity was up 6.4% over that of October as insurers head toward year-end closing.

Ages 60+ life insurance application activity solidly led all others, up 7.2% in November year-over-year; ages 45-59 were down 2.4%; and ages 0-44 were down sharply, 9.4%, year-over-year. Year-to-date, ages 0-44 are off 2.2%; ages 45-59 are off 0.7%; and ages 60+ gained ground: up 2.8%, YTD Y/Y. Month-over-month activity all showed healthy gains from prior October with 0-44 up 7.4%; 45-59 up 8.6%; and ages 60+ up 0.7%.

Life Index Composite and Age Groups

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Take Care of People to Earn More Money

Take Care of People to Earn More MoneyEverybody wants more money. Most people aren’t willing to do what it takes to make more money. And the people who want money the most are often mistaken about what they need to do to earn money. If you put money before people, you’ll have trouble making money. By treating people as a means to an end (money), you set priorities in a way that money becomes difficult to gain.

If you put money before your clients and customers, you’ll have a tough time extracting the money you want from their checkbooks. Revenue is the result of selling well and taking care of your clients. In insurance marketing and sales, increasing revenue and profit is the result of doing 1,000 things right; chief among them is valuing people. Learn to do purposeful and meaningful work for your clients. Then the money will come.

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Seniors’ Loneliness Costs Medicare

Seniors’ Loneliness Costs MedicareWork closely with your clients, it may help them live longer

Baby Boomers are ag­ing alone more than any gen­er­a­tion in U.S. his­tory, and the re­sult­ing lone­li­ness is a loom­ing pub­lic health threat. This loneliness undermines health and is linked to early mortality. Policy makers are concerned this will strain the federal budget and undermine Boomers’ health.

Researchers say loneliness takes a physical toll and is as closely linked to an early death as smoking up to 15 cigarettes a day. Loneliness is even worse for longevity than being obese or physically inactive. The lack of social contacts among older adults costs Medicare $6.7 billion a year, mostly from spending on nursing facilities and hospitalization.

Seniors Living Alone, and Lonely, as They Age

Seniors’ Loneliness Costs Medicare

Loneliness Shortens Life

Seniors’ Loneliness Costs Medicare

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The Larger Voice … of Wisdom

The Larger Voice … of Wisdom

A little voice inside your head might say “I’m tired of being rejected when I ask for a meeting.” The little voice feels like the “no” is a personal rejection that invalidates your worth as a human being, making something out of what’s really nothing. But the larger voice recognizes a failed attempt to conduct commerce is nothing more than feedback. The feedback provided by “no” means only that the person you called doesn’t believe the value you offered in exchange for his time was favorable … at this time. The larger voice says “I’ll change my offer and try again later and, eventually, I’ll get a meeting.” It’s important for you to pay attention to what you say to yourself. Your results and your future will manifest in your mind, and then they’ll manifest in the world. Choose carefully which voice you allow to design that future.

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Who Are America’s Uninsured?

Why do Americans choose to go without health insurance?

Take a look

Who Are America's Uninsured?

When the Trump administration nullified the individual insurance mandate by killing the penalty in last year’s tax reform bill, many were sure it would result in a plunge in insurance signups and a spike in the uninsured rate. With just two days left until the end of the ACA open enrollment season, signups are down nearly 20% over last year.

The loss of the individual mandate may have something to do with it, but other factors at play include an increase in alternative plans as well as a hot economy that has created more options for employer-sponsored health coverage. Still, after steady years of decline, the uninsured population increased by nearly 700,000 in 2017. What factors contribute to the decision by these and other Americans to go without insurance?

America's Uninsured

2017 Uninsured rates

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