I have been in the financial service business for over 20 years and have developed some strong bias in the direction of certain products or ideas. Much of what I will express in this article is what I have realized from studying, listening, experiencing and observing, dating back to my university years when I studied Constitutional History.
All of those years combined with the tragic loss of two of my dear associates who were professional peers, have prompted me to write down this article. I write it more to place my ideas to paper. If it has value to anybody else, then I'm extra enriched.
Though I would not blame them for any of the content material here I would dedicate this article to these associates: Ray Hooper, whom I loved like a son, who’s cheerful approach to life brightened my life, who understood that the significance of bringing worth to someone’s life because they had brought worth to yours was the measure of loyalty and is what offers “heart” to capitalism. And to Les McGuire, who became like a son as well as a instructor, who drove me crazy, never letting me relax mentally. For the remainder of my life I'll continuously be reading more and asking “why” because Les challenged me to think more clearly.
Both Ray and Les have taught us in both life and death the true meaning of “Human Life Value.”
Although I take full accountability for this text I willingly give credit to all those who’s quotes I have used. I've made an attempt to put in quotations the direct quotes I have used and provide credit to every here rather than in footnotes. I'd encourage the reader to take the time to learn the sources directly. If I've used a single phrase or phrase that appears as if it comes from another source, it probably did, and so I give credit to so many listed and not listed for helping me, through the years, in formulating my thinking. Nevertheless, I repeat, I take full accountability for the ideas as compiled here.
Credit to Robert Castiglione “LEAP” the Key to Financial Success”
Thomas J. Dilorenzo “How Capitalism Saved America” (many of my quotes are taken from his book)
Les McGuire, Thomas Jefferson, John Looke, Murry Rothband, Producer Revolution.com
Ludwig Von Mises, S.S. Huebner, Matt Randall.
I have been in the “Life Insurance” business long enough to have experienced both ridicule and admiration for helping clients buy “life insurance coverage”. In those self same years I've watched my very own peers scramble to search out the phrases to explain what they do for a living rather than say they sell life insurance.
I've been involved long enough to have seen my very own clients use their life insurance policies for its intended purpose. I have seen young and old clients pass away leaving the death benefit to their spouses. I've seen others borrow their cash value to send children to college, or buy a car or make other investments. I've seen others use their policies to secure business loans or purchase equipment. I've also seen others live lives of greater abundance understanding they were able to spend their other assets because they'd purchased life insurance. To make use of the words of Les McGuire; “I've seen life insurance used as a ‘tool of production.’”
I do not mean to suggest by this dialogue that life insurance is by some means part of our constitutional type of government, or that the product itself is in some way one of the pillars of the constitution. Nonetheless, I do intend to counsel that one of many pillars of the constitution is Capitalism. And that capitalism gives us the free agency to ‘pursue happiness’ by freely laboring to secure to ourselves the rewards of that production, that are “property” in all its forms. I'd firmly counsel that “Permanent Life Insurance coverage” is likely one of the finest financial instruments available to us to help in that “pursuit of happiness” in short it is a tool of capitalism.
Author Resource:
Dee Randall is the Founder of Horizon Financial. He has been in the financial services industry for over 20 years. Visit http://www.deearandall.com to learn more.
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