what the research actually says about withdrawal rates, annuities and longevity math, where the smart people disagree, and how an advisor can publish something worth forwarding. Q1. Why is retirement income such a mess to search for? Continue reading →
Why a free practice test can outrecruit your careers page, and what it costs to keep one honest Picture a help desk tech, a staff accountant, or an ICU nurse at 11:40 on a Tuesday night. The kids are finally asleep. The coffee went cold an hour ago. They type “subnetting practice questions with answers”…
Insurtechs spend the entire budget on the policyholder and almost nothing on the person who actually decides what gets sold. 1. Who actually decides which carrier writes a commercial risk? A. The independent agent does, and the business owner mostly ratifies it. In 2025, independent agencies placed 87.7% of all US commercial lines written premium,…
A working guide to the most useful free dataset in American insurance, with the numbers to prove it Every state regulator collects consumer complaints. The NAIC normalizes them by market share. What comes out is a public, quantified, regulator-published ranking of which carriers annoy their own customers most, broken out by line and by the…
The only channel in American marketing where attendance is a legal obligation, the audience files paperwork proving they consumed your content, and your name stays in a government catalog for years. There is a room in your industry right now with forty licensed professionals in it. They paid to be there. They cannot leave early.…
ALLSTATE The Allstate Corporation | NYSE: ALL | Northbrook, Illinois STRATEGIC MARKETING REVIEW: TEN QUESTIONS, TWO HUNDRED AND TWENTY-SIX POINTS Built from every document in this process and from the one hundred marketing suggestions produced by the reconvened focus group. NO POSITION / NO COMPENSATION / NO MNPI ANALYSES BASED ON PUBLIC INFORMATION. NOTHING HERE…
UnitedHealthcare – The Short Version This is an example of the Free Read document that I offer to organizations. Two pages pulled from the full review. Public information only. Not investment advice. August 26, 2026. The margins are fixed. The reputation is not. This company spent 2025 nearly breaking and 2026 repairing itself, and almost…