Life, Health and Fitness

Health can be defined as the ultimate bliss that can be bestowed upon a person. It is the greatest asset one can possess and it’s of course the most-sought after in today’s break-neck paced world. People sort to so many ways in achieving the coveted perfect health condition. And fortunately there are so many distinct ways of doing that. Fitness is a word frequently thrown around whenever the topic health pops up, and it means nothing being efficient to do what an individual wants to without any difficulty. In simple terms it’s all about being fit. It doesn’t mean to look good or have an awe-inspiring figure but to be healthy and be able to do the day-to-day chores without fretting much effort. Fitness is, not pulling a muscle or a having sprain just when you bend that extra degree for some work, being fit means running that occasional for catching that running bus without panting like a whale. Eating all the junk you want and hitting the gym when you find that flab hanging around your waist doesn’t mean you are healthy or fit. Nor does it imply consciousness about proper health. Considering the kind of lifestyles prevalent maintaining proper health becomes one of the main objectives of people.

Now the big question how can we allocate some time daily for activities which help us to be fit and healthy when we got no time for having a hearty meal? Enthusiasm for being healthy and fear of contracting long-term health problems may act as the much-needed impetus for doing so. Moreover there are a lot of side-effects of these, though it’s not proper to call them so, which provide added advantages. Workouts for example prove to be boon for both men and women alike as they help in building a stronger body at the same time provide vanity-related goodies like glowing skin! Apart from workouts activities which promote the decrement of stress-levels like meditating and yoga prove to be the perfect tools for improving one’s health condition and maintaining it.

It’s a known fact, healthy mind in a healthy body. So being fit is not the prerequisite for only those who have physical work involved in their daily routine but even those who fret over their computer monitors need it to cut down those extra stress levels and stop those receding hairlines. Yes there are more advantages when compared to drawbacks (which can be counted as none) of leading healthy necessarily through being fit and by performing activities to uphold it. So it’s never too late to hit the nearest fitness centre or start the process at your own home which may be the triggering point for a much better life and importantly healthy life.

The Third Pillar of Success in Your Life – Health – 3 of 3

The Third Pillar of Success in Your Life: Health

Do you agree that health is the last pillar of the success for your life?

Besides wealth and happiness, health is equally important if you have set your goal to get rich and become a millionaire. More often or not, a lot of good people focus solely in acquiring wealth and making money. Some dislike money and only want to pursue in getting happiness. Life is incomplete if you only focus on one of the three pillar of success alone. Do you want a incomplete success? I don’t think so. It is not too late as you can change it today.

Health comes from three areas namely healthy mind, healthy body and healthy soul. Are they separated from one another? NO, there are not separated but rather they are interconnected with each other. Are you confidence in acquiring healthy mind, body and soul?

I will show how you could get closer in fulfilling your dream of healthy mind, body and soul. Firstly, you need to exercise consistently for 30 minutes a day. The level and type of exercise are completely up to you. You could choose to go for jogging, swimming, aerobic, playing soccer, dancing, boxing, taiji, window shopping etc. How do you know if you have exercise enough? You need to sweat yourself out. You need to feel that you are sweating during the exercise. Therefore, if you are planning for a window-shopping, I would recommend a outdoor one instead of a air-conditioned one.

You need to set exercise into your life routine. It is important to do it everyday. You should not expect any result if you are doing it only once in a blue moon. However, it is extremely easy to do once it becomes your daily routine and a good habit for you.

Secondly, you need to eat moderately. You should only start eating until you feel hungry. The feeling of hunger allows your body getting back to the original sense of what and how much to eat. You should never eat too much as it will increase the waste in your body. It is often what we eat that cause illnesses to our body. In addition, you should avoid oily foods at all cost. Do we need more waste and fat in our beautiful body?

Thirdly, you need to set our mind to doing good things. A healthy mind thinks about how it could help the universe and make it a better world. You are one entity of this universe and your contribution is important. Ask yourself what you can do to make the world a better place. If you do good, you will feel good. The healthy mind comes from simply doing good things consistently and genuinely for a good cause.

Lastly, we need to set aside one to two hours a day to reflect. You can chose to meditate, practice Yogo or Zen like T. Harv Eker. You can also simply have a quiet moment by yourself and reflect on what you have done each day. Empty your mind and let the natural force take over your body. Listen to the universe and your inner self to get connected to your soul. If you have no idea what it is discussed here, you should explore this area attentively.

You have all three pillars of success with you now. Your journey to get rich, make money and becoming a millionaire is no longer a trial and error. You are equipped with the right tools and mindset now. Your willingness to take action will determine your success in this difficult journey.

Independent Life Insurance Brokers Wage War on Life & Health Insurance Providers Reign

For well over a century life and health insurance providers held golden handcuffs on their agents and brokers. Independent life insurance brokers became fighting mad at these insurance providers trapping them inside giant Jell-O molds. This provided independent brokers little flexibility in prospecting, selling skills, choice of clients, and pressed inside a tight income range.

FINALLY, independent life insurance brokers are electing to challenge the insurance companies, seeking independence, and running their personal sales like their own business instead of like a textbook copy of what the company wants. A talented insurance agent quickly learns that the insurance provider needs them, and must offer more to hang on to the producer. An observant health or life insurance broker has over 600 independent insurance company choices to work out a winning combination with.

Sure insurance companies have cast heavy thunderstorm hurdles for the agents to overcome. A very high percentage of agent manpower gets lost along the way. However, each year, a larger group of agents is seeing the rainbow that lies ahead if they manage their own future. These are the independents, heroes to other agents that have not yet mastered the selling skills, or self-determination to join them. Here is some factual data on how the selling field has changed.


If you read insurance publications subsidized by major insurance company ads, you would think this is an easy money field. Obtaining the realms of information you need to learn, plus constantly changing sales regulations, disclosures, and mandated features you quickly become a walking encyclopedia. For two reasons insurance companies dominate. First, they write OVER 60% of the premiums themselves (internally), as appointed agents and independent brokers bring in the remainder. A newer agent convinces his client to put his $4,000 in savings into an annuity. The agent is compensated at 5%, $200 for the annuity sale. Instead, had this broker written a $50.00 monthly life insurance policy the provider would have paid out about $400.00.

Before a policy is written, a broker is going to write coverage that is profitable to himself and the the company. Listening to the training of life and health insurance providers, can cost a producer half their income.

The major shift in power from company appointed agents to independent life insurance brokers starting in the year 2000. The individual life market share revealed the following distribution percentages. 48% by Career Company appointed agents. Likewise, independent life insurance agents wrote 48%. The remaining small balance was picked up others, mainly stockbrokers.

Insurance Companies attempted driving most agents out of the business, especially the independent ones who commanded higher commissions. The home office wanted to receive 100% of the profits. With internet ads, phone telemarketing, direct mail bypassing agents, emails, and television ads, they thought they could prevail. After millions and millions of dollars spent on trying to sell insurance without using large numbers of agents, the whip came down. The got back lashed with a severe beating reminder that read, “insurance is a product, filling emotion needs that needs to be sold by human people.” A robot, cut out the middleman approach was a burning backfire.


Health and life insurance company providers learned the hard way that business could be obtained by used television, internet, and direct mail advertising to attempt to get consumers to buy from them. Sure they saved a little on commissions, but their high overhead was bombarded by less healthy applicants, poorer claims communication, and less loyal clients. Career agents are enraged when they see their company want to sell insurance without their services. Life insurance broker agents are not in-housed, so they are paid higher commissions to sell the same coverage.

The word became clearer. Cater heavier to independent agents or lose market share. Since 2007 the big shift drifted in. Not only were there sideline marketing efforts not creating new marketing trends, but career insurance companies saw less sales from their own agents. Life insurance sales by captive, exclusive, and multi-line agents combined dropped from 48% in 1999 to 35%. Greatly gaining were the higher skilled and higher paid independent agents, now writing near 58%. Stockbrokers and banks maintain an 8% share, further eroding career agent sales.

Without the direct sales efforts of insurance selling agents, look at this fact. Home offices write less than 30% of life, health, retirement, group, and medical policies. This is why a two step ladder emerged. First the captive career life insurance providers started offering similar products to outside independent brokers at higher commissions. This was quickly trumped by independent insurance companies specializing in smaller product niches. Why not pay everyone the same? Let the career agency start training them, and then take over and show the producer how to really sell and at respectable income levels?


If life and health insurance companies could exchange the word “greed” for “need” they would be in a better position. It is a well known fact that 2/3 of Americans do not carry enough life insurance. However most companies twist their agents’ necks to focus on the wealthy. Liberty National, a company, you might not know of, is worthy of recognition. Of well over 600 life and health insurance companies, they have written by a wide margin, the largest client base of whole life insurance policyholders.

The top eight term policy writers are NOT known big life insurers Nor do they constantly bombard television commercials with a term life insurance quote opportunity. They know that excessive insurance television advertising to get a quote, or trying to bypass their own agents is unethical. One super-large insurer that got caught trying to entice customers with the lowest rates and enabling phone purchases is in a financial mess. This well-known company is costing the American government and taxpayers, billions of dollars in bailout provisions.


Most states have around 300 active annuity, health, and life insurers. Here’s a few thoughts to toss around. Are you satisfied with your currently earnings? Do agents with the major branded companies really sell more insurance? Could you survive a career switch? Does a term insurance sale provide you with 50%, 70%, or 90+% commissions? How long do you want to wait before becoming a career professional. Could you run a business, yours, or is the guidance you are receiving far too valuable?

It is what your insurance provider can do for you? What you can do for your insurance company? Alternatively, it should be what you can do for yourself and your clients.