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

A Broker’s Perspective…Choice: A Shortcut to Success

An individual’s right to choice is one of the most important symbols of freedom in America. Our profession has produced a great many highly successful individuals with certain traits in common that are worth learning. While many life producers enter our industry as agents representing a single company, by experience they soon learn the importance … Continue reading

Cyberspace Survival Guide

5 Steps you (and your BGA) can take to protect your mission critical data. In today’s 24/7 world, advances in technology have enabled companies to be accessible to their clients anytime, anywhere, and cutting-edge BGAs of all sizes are effectively implementing the latest software, tablets, smart phones, computers and communications tools to streamline their operations … Continue reading

The Paperwork Butterfly Effect: A Ripple Felt All The Way To The Carrier

The butterfly effect is when one small act has inconceivable and momentous rippling consequences that are significantly larger than the small act in and of itself. Have you ever experienced the effect that one small mistake in one little box on an insurance form can have? A seemingly small error on a new account application … Continue reading

Creative Underwriting Solutions

How do underwriters evaluate risk? They assess mortality risk by utilizing several sources: life insurance exam requirements, attending physician statements, Medical Information Bureau reports, pharmacological records, Department of Motor Vehicle reports, personal history interviews, and face-to-face inspections (for jumbo cases). I like to compare underwriting life insurance risks to evaluating an applicant as a credit … Continue reading