# Insurance

## [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.  A $12

## [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

## [Not Your Parent’s Long Term Care: Using Modern Long Term Care Insurance to Protect Customer Assets](/content/not-your-parents-long-term-care-using-modern-long-term-care-insurance-to-protect-customer-assets/index.html)

Protecting hard-earned assets. That’s at the heart of every modern long term care (LTC) policy. Funding home care assisted living or nursing home care can deplete a retirement nest egg quickly. That’s why it’s important to have the LTC conversation with your clients. And Covr Insurance Technologies (Covr) is right there with you, providing modern