By Bob Herum, MSFS, CLU, ChFC, RHU, REBC, Interim President of the CDA I was asked to relook at a blog I wrote during the height of the Covid-19 pandemic and explore how well I had “prognosticated” future developments. Like any such endeavor, there were certainly some misses in the narrative, but on the whole, I…
Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: When the leaves start to fall, it’s usually the time for you to enroll in your employer’s benefits offerings. A lot of us focus our time on understanding the health insurance benefits, but you could be leaving a lot of money on the table with that…
Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: Facts do not change your clients’ behavior when it comes to understanding their risk for being out of work due to an injury or illness. Bob Herum presents a primer on how to alter your discussion about the impact of disability on financial plans. Traditionally, the…
By Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: On July 28, 2015, I was struck by a car as a pedestrian. After the acute portion of my recovery ended, I met with my financial planner to discuss the potential implications to my retirement plan if I was out of work for an extended…
16 Changes That May Happen in the Near Future By Bob Herum, MSFS, CLU, ChFC, RHU, REBC, Ameritas. Getting tired of hearing the term “new normal,” or other permutations out there? I am, but it does force you to think about how different life will look moving forward, past the changes COVID-19 created.…
Back in February 2020, few Americans understood the impact the novel coronavirus and COVID-19 would have on our business and personal lives. When the March stay-at-home orders first went into place, we pictured a return to life as we knew it within six to eight weeks. Yet, here we are, three months later, and we’re…
By Bob Herum, Ameritas second vice president of DI and GSI Sales and Marketing The United States is approaching two months since COVID-19 descended upon us, and the U.S. economy was blind-sided by the effects of the virus. Millions of American workers have been laid off, furloughed or told to work from home. Millions of…
By Bob Herum, Second Vice President, DI & GSI Sales, Ameritas I picture the millions of working Americans who are employed, receive benefits through their employers, and yet, go about their daily activities without realizing the potential financial risk to their way of life. Specifically, I’m thinking of their income and what insurance they may have…
