## [The Most Expensive, and Imminently Avoidable Mistake in Asset Protection Fits on a Single Form](/content/the-most-expensive-and-imminently-avoidable-mistake-in-asset-protection-fits-on-a-single-form/index.html)

by Sam Barnett You and your client’s legal team could have just designed the most elegant asset protection plan in the country—irrevocable trusts, a Domestic Asset Protection Trust parked in a friendly state, an LLC wrapped around every venture, maybe even a lawful offshore structure—and still lose it all because of a form they filled out years ago and never

## [Do I Need More Disability Insurance Coverage Even if I Have Coverage at Work?](/content/do-i-need-more-disability-insurance-coverage/index.html)

by Sam Barnett The Short Answer is “Probably” Disability insurance is often treated like a box to check. You get a policy through work, you enroll, and that’s the end of the conversation.  “I’ve got coverage through my employer—I’m good.” And to be fair, that might be true. However, just because you have coverage doesn’t mean it’s enough. More importantly, it doesn’t mean it will

## [Covr CMO Mark Forman Talks Life Insurance on the Disruption Interruption Podcast](/content/covr-cmo-mark-forman-talks-life-insurance-on-the-disruption-interruption-podcast/index.html)

In a recent episode of the Disruption/Interruption podcast, Covr CMO Mark Forman joined host Karla Jo Helms to pull back the curtain on a $2 trillion industry that has been slow to change. Mark and KJ share a candid, data-driven conversation about why permanent life insurance moves slowly and how the status quo isn’t just inconvenient. It’s preventing some folks from getting coverage, and possibly putting families at risk.

## [LIRPs are Oversold… and Still Underrated](/content/lirps-are-oversold-and-still-underrat/index.html)

by Sam Barnett Life Insurance Retirement Plans (LIRPs) are oversold in our industry. I’ve seen them positioned in too many situations as a replacement for qualified plans, or sold to people who don’t have the cash flow, don’t have the liquidity, or frankly don’t even have a real protection need. It’s inappropriate in those situations.  But here’s the part that gets lost in the noise: Just because something is oversold doesn’t mean it’s not valuable

## [Barnett on Financial Technology Report with RJ Lumba](/content/barnett-on-financial-technology-report-with-rj-lumba/index.html)

Covr CEO Sam Barnett recently joined RJ Lumba for his podcast “The Financial Technology Report.” Sam and RJ discuss his recent move from VIBE CEO to CEO of Covr, the merger of VIBE with Optifino and Covr, Elvis, his accidental career in insurance, how long-time collaborator Bob Klein broke some important news to him about his true calling, and how his experience with his daughter made him a long-time supporter of St. Jude.

## [Don’t Replace Yourself](/content/dont-replace-yourself/index.html)

by Sam Barnett In a February blog that went viral, Citrini Research predicted that not only will AI replace us, but the impact of this replacement event will ripple through the global economy in some devastating ways. Meanwhile, career coaches and breathless LinkedIn influencers are feeding the algorithm–preaching that workers should embrace AI and level.

## [Covr Appoints Ryan Bivins as Head of Sales to Accelerate Growth and Deepen Carrier Partnerships](/content/covr-appoints-ryan-bivins-as-head-of-sales-to-accelerate-growth-and-deepen-carrier-partnerships/index.html)

Seasoned long-term care and insurance distribution executive brings proven leadership, carrier expertise, and strong partner relationships to Covr’s evolving platform. NEW YORK, Feb. 18, 2026 /PRNewswire/ — Covr Financial Technologies, an award-winning provider of digital insurance solutions, today announced the appointment of Ryan Bivins as Head of Sales, strengthening the company’s leadership team as it continues to scale.

## [Covr Introduces New CEO and CDO to Guide Company Through Next Phase of Growth](/content/covr-introduces-new-ceo-and-cdo-to-guide-company-through-next-phase-of-growth/index.html)

Insurance veterans Sam Barnett and Bob Klein – known for steering major carriers through pivotal expansion – step in as Covr advances its’ next-gen digital BGA strategy. NEW YORK, Jan. 7, 2026 /PRNewswire/ — Covr Financial Technologies, an award-winning provider of digital insurance solutions, today announced the appointment of two senior executives to its leadership team: Sam Barnett.

## [Covr Recognized by The Financial Technology Report as one of the Top 50 Financial Technology Companies for 2025](/content/covr-recognized-by-the-financial-technology-report-as-one-of-the-top-50-financial-technology-companies-for-2025/index.html)

Covr has been named one of the Top 50 Financial Technology Companies for 2025 by The Financial Technology Report, joining a select group of innovators like Wealthfront, MyVest, and Pontera who are shaping the future of financial services. This recognition follows Covr’s inclusion in the Everest Group’s “Leading 50™ Life & Annuity (L&A) Insurance Technology.

## [🚨 Big news: Covr has officially merged with Optifino](/content/optifino-and-covr-announce-deal-to-transform-life-insurance-distribution/index.html)

Optifino and Covr Announce Deal to Transform Life Insurance Distribution NEW YORK, Sept. 29, 2025 /PRNewswire/ — Optifino, the digital Brokerage General Agency (BGA), radically simplifying the life insurance experience, and Covr Financial Technologies–an award-winning provider of digital insurance solutions, today announced a transformative merger to create Digital BGA 3.0. This merger unites Covr’s robust operational and compliance infrastructure.