A Broker’s Perspective: The BGA Newsletter: A Producer’s Most Unique Asset

By Gary S Dworkin for the November 2012 issue of Broker World Magazine.  GARY S. DWORKIN CLU, RHU, is founder and president of Dworkin Associates, Inc. (DAI), with offices in Rochester, NH and Naples, FL.  Dworkin was one of the original members of Broker World’s advisory board and is a frequent contributor to the magazine. … Continue reading

Life insurance is sold, not bought. But for how long?

Conventional wisdom is that insurance is sold, not bought. Many people claim that insurance products, especially life insurance, are complex, easily misunderstood, need detailed medical data to be underwritten, and therefore have to be “sold” to customers. Accordingly, the insurance sector has operated over the past two centuries with a large intermediary agent force (both … Continue reading

The DAI Annuity Center: Annuity Treat – No Tricks!


Annuity Riders Explained

What is an annuity? An annuity is a financial product designed to accept and grow funds from an individual and then generate a stream of payments at a later point in time. Annuities are primarily used as a means of creating a steady cash flow for individuals during their retirement years. There are two basic … Continue reading

DAI News & Notes: Genworth Announces Major Life Product Changes