[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”on” width_unit=”on” custom_width_px=”850px” use_custom_gutter=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” custom_padding=”||75px|” background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”850px”][et_pb_column type=”4_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_text admin_label=”HEADER – About the Book” background_layout=”light” text_orientation=”center” use_border_color=”off” border_color=”#ffffff” border_style=”solid” text_font_size=”24″ header_font_size=”42px” header_font_size_last_edited=”on|phone” header_font_size_phone=”34px” module_alignment=”center” background_position=”top_left” background_repeat=”repeat” background_size=”initial”]<\/p>\n
About the Book<\/h1>\n
[\/et_pb_text][et_pb_text admin_label=”BODY COPY” background_layout=”light” text_orientation=”justified” text_font_size=”18″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” module_alignment=”justified” background_position=”top_left” background_repeat=”repeat” background_size=”initial”]<\/p>\n
\nThe life insurance industry is on the precipice of a major shift. Just as Uber brought disruption to public car service, a consumer-focused approach is underway to replace the sales-oriented process we know today.<\/p>\n
\u201cLife insurance is the last product in the financial world that needs to come to consumers on their own terms. It drastically calls out for transformation that is built around the customer, not legacy systems of various life insurance companies, arcane paper-based processing, and data that is stale.\u201d<\/p>\n
In Life Insurance 10X we hear from 14 foremost professionals who are helping to usher in that change. Here they share specific processes and tools to make the end-to-end experience \u201cten times better\u201d (10X) as policyholders search for, obtain and preserve a life insurance policy to safeguard their future and their wealth. An easy read for anyone outside the industry, it shines a light on what to look for (and look out for) yet is packed with real-life examples and specific recommendations to shepherd life insurance into the 21st century.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ fullwidth=”off” specialty=”off” transparent_background=”off” background_color=”#8ccfd8″ allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” prev_background_color=”#ffffff” next_background_color=”#f7f7f7″ inner_width=”auto” inner_max_width=”1080px”][et_pb_row make_fullwidth=”off” use_custom_width=”on” width_unit=”on” use_custom_gutter=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” gutter_width=”4″ custom_width_px=”850px” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ width=”80%” max_width=”850px”][et_pb_column type=”4_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/GRAPHIC_Principles_V2.png” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” _builder_version=”3.0.84″ show_bottom_space=”on” align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_text admin_label=”BEST PRACTICES PRINCIPLES INTRO” background_layout=”dark” text_orientation=”justified” use_border_color=”off” border_color=”#ffffff” border_style=”solid” text_font_size=”24″ text_font=”|on|||” module_alignment=”justified” background_position=”top_left” background_repeat=”repeat” background_size=”initial”]<\/p>\n
\nIn \u201cLife Insurance 10X\u201d, the 14 co-authors catalogue best practices for successfully transforming the life insurance experience for clients, based on five core principles:<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”3.0.84″ use_custom_width=”on” custom_width_px=”850px” width=”80%” max_width=”850px”][et_pb_column type=”4_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_blurb admin_label=”1″ url_new_window=”off” use_icon=”off” use_circle=”off” use_circle_border=”off” image=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/GRAPHIC_Numbers_1.png” icon_placement=”left” background_layout=”dark” text_orientation=”center” use_icon_font_size=”off” body_font_size=”18″ background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ max_width_tablet=”50px”]<\/p>\n
\nRecommend and work only with those companies that display evidence of staying committed to policyholders over the long-run.<\/p>\n
[\/et_pb_blurb][et_pb_blurb admin_label=”2″ url_new_window=”off” use_icon=”off” use_circle=”off” use_circle_border=”off” image=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/GRAPHIC_Numbers_2.png” icon_placement=”left” background_layout=”dark” text_orientation=”center” use_icon_font_size=”off” body_font_size=”18″ background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ max_width_tablet=”50px”]<\/p>\n
\nFind, design, and obtain a policy using a consistent, advisory-based process centered squarely on addressing the policyholder\u2019s individual needs.<\/p>\n
[\/et_pb_blurb][et_pb_blurb admin_label=”3″ url_new_window=”off” use_icon=”off” use_circle=”off” use_circle_border=”off” image=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/GRAPHIC_Numbers_3.png” icon_placement=”left” background_layout=”dark” text_orientation=”center” use_icon_font_size=”off” body_font_size=”18″ background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ max_width_tablet=”50px”]<\/p>\n
\nUtilize a unique, fact-gathering underwriting process that strives to obtain the best underwriting class while maintaining the client\u2019s confidentiality.<\/p>\n
[\/et_pb_blurb][et_pb_blurb admin_label=”4″ url_new_window=”off” use_icon=”off” use_circle=”off” use_circle_border=”off” image=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/GRAPHIC_Numbers_4.png” icon_placement=”left” background_layout=”dark” text_orientation=”center” use_icon_font_size=”off” body_font_size=”18″ background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ max_width_tablet=”50px”]<\/p>\n
\nOptimize the structure and design of the policy so that the client benefits from the unique tax advantages that life insurance brings.<\/p>\n
[\/et_pb_blurb][et_pb_blurb admin_label=”5″ url_new_window=”off” use_icon=”off” use_circle=”off” use_circle_border=”off” image=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/GRAPHIC_Numbers_5.png” icon_placement=”left” background_layout=”dark” text_orientation=”center” use_icon_font_size=”off” body_font_size=”18″ background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ max_width_tablet=”50px”]<\/p>\n
\nPut in place ongoing monitoring and management of the policy over the long-run to ensure the policy\u2019s performance continues to meet the client\u2019s expectations and needs.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ fullwidth=”off” specialty=”off” transparent_background=”off” background_color=”#f7f7f7″ allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” custom_padding=”0px|0px|0px|0px” prev_background_color=”#8ccfd8″ next_background_color=”#ffffff” inner_width=”auto” inner_max_width=”1080px”][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” custom_padding=”0px|0px|0px|0px” custom_margin=”0px|0px|0px|0px” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”1080px”][et_pb_column type=”4_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_code admin_label=”ANCHOR”]<\/p>\n
[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ fullwidth=”off” specialty=”off” transparent_background=”off” background_color=”#ffffff” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” custom_padding=”0px|||” custom_padding_tablet=”50px|0|50px|0″ custom_padding_last_edited=”on|desktop” prev_background_color=”#f7f7f7″ next_background_color=”#8ccfd8″ inner_width=”auto” inner_max_width=”1080px”][et_pb_row background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”1080px”][et_pb_column type=”4_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_code admin_label=”ANCHOR”]<\/p>\n
[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”on” width_unit=”on” use_custom_gutter=”off” custom_padding=”10px||0px|” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” column_padding_mobile=”on” custom_padding_phone=”0px||0px|” custom_padding_last_edited=”on|phone” custom_margin_last_edited=”on|phone” custom_margin_phone=”0px||0px|” custom_width_px=”850px” background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”850px”][et_pb_column type=”4_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_text admin_label=”HEADER – Hear from the Authors” background_layout=”light” text_orientation=”center” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_padding=”20px||0px|” text_text_color=”#839baa” text_font_size=”21″ text_font=”Open Sans||||” custom_margin_last_edited=”on|tablet” custom_padding_last_edited=”on|desktop” custom_margin_phone=”||0px|” header_font=”Open Sans||||” module_alignment=”center” background_position=”top_left” background_repeat=”repeat” background_size=”initial”]<\/p>\n
Hear from the Authors<\/h1>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row][et_pb_column type=”1_2″ custom_padding__hover=”|||” custom_padding=”|||”][et_pb_video src=”https:\/\/player.vimeo.com\/video\/242808541″ _builder_version=”3.0.84″ \/][\/et_pb_column][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||”][et_pb_image admin_label=”Image – Rybka” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/images_circular_OurStory_LarryRybka_2019.jpg” use_border_color=”off” module_class=”circular” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” animation_direction=”left” _builder_version=”3.21.1″ z_index_tablet=”500″ saved_tabs=”all” global_module=”4328″ align_last_edited=”on|desktop” align_tablet=”center” button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-RYBKA” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n
\nLawrence J. Rybka, JD, CFP<\/a>\u00ae<\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||”][et_pb_image admin_label=”Image – Rasch” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_Rasch.jpg” module_class=”circular” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” _builder_version=”3.0.84″ align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-RASCH” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nDavid A. Rasch, RFC<\/a>\u00ae, LIC<\/a><\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][\/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”1080px”][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – Fay” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_Fay.jpg” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” module_class=”circular” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” _builder_version=”3.0.84″ align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-FAY” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nTom Fay, CLU<\/a>\u00ae, ChFC<\/a>\u00ae, LUTCF<\/a><\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – McKechnie” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_McKechnie.jpg” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” module_class=”circular” saved_tabs=”all” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” show_bottom_space=”on” align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-MCKECHNIE” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nDavid S. McKechnie, CLU<\/a>\u00ae<\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – Olexa” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_Olexa.jpg” module_class=”circular” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” show_bottom_space=”on” align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-OLEXA” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nThomas P. Olexa, CFP<\/a>\u00ae, CLU<\/a>\u00ae,\u00a0ChFC<\/a>\u00ae<\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – Harriman” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_Harriman.jpg” module_class=”circular” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” show_bottom_space=”on” align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-HARRIMAN” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nPhilip E. Harriman, CLU<\/a>\u00ae,\u00a0ChFC<\/a>\u00ae<\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][\/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”1080px”][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – Churchley” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_Churchley.jpg” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” module_class=”circular” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” show_bottom_space=”on” align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-CHURCHLEY” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nFred W. Churchley III, CLU<\/a>\u00ae<\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – Williams” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_Williams.jpg” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” module_class=”circular” saved_tabs=”all” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” show_bottom_space=”on” align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-WILLIAMS” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nJohn D. Williams, ChFC<\/a>\u00ae, CLU<\/a>\u00ae,\u00a0TEP<\/a><\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – Banker” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_Banker.jpg” module_class=”circular” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” show_bottom_space=”on” align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-BANKER” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nChuck Banker, CPA<\/a>, CFP<\/a>\u00ae,\u00a0ChFC<\/a>\u00ae, CLU<\/a>\u00ae, JD<\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – Martin” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_Martin_V2.jpg” module_class=”circular” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” show_bottom_space=”on” _builder_version=”3.0.105″ align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-MARTIN” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nTony Martin, MBA, MTax, CFP<\/a>\u00ae<\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][\/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”1080px”][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – McNair” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_McNair.jpg” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” module_class=”circular” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” show_bottom_space=”on” align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-MCNAIR” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nFrederick V. McNair IV<\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – Dranoff” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_Dranoff.jpg” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” module_class=”circular” saved_tabs=”all” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” show_bottom_space=”on” align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-DRANOFF” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nMichael B. Dranoff<\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – Fulcrum” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_Fulcrum-2.jpg” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” module_class=”circular” saved_tabs=”all” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” _builder_version=”3.0.84″ show_bottom_space=”on” align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-FULCRUM” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nFulcrum Partners, LLC<\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][et_pb_column type=”1_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_image admin_label=”Image – Koss Olinger” src=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/IMAGE_BIO_LifeIns10X_KossOlinger.jpg” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” module_class=”circular” saved_tabs=”all” animation_direction=”left” animation_style=”slide” animation_duration=”500ms” animation_intensity_slide=”10%” _builder_version=”3.0.84″ show_bottom_space=”on” align_last_edited=”on|desktop” align_tablet=”center” \/][et_pb_cta admin_label=”BIO BUTTON” url_new_window=”off” button_text=”View Biography” use_background_color=”off” background_color=”#002536″ background_layout=”light” border_style=”groove” custom_button=”off” button_use_icon=”off” button_icon_placement=”right” custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font=”Lato||||” button_text_color=”#002536″ button_border_color=”#002536″ saved_tabs=”all” body_text_color=”#022535″ button_url=”https:\/\/valmarkfg.com\/site\/resources-section\/life-insurance-10x-about-the-authors\/#LIFE10X-OLINGER” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.84″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”]<\/p>\n \nKoss Olinger<\/strong><\/p>\n [\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ fullwidth=”off” specialty=”off” transparent_background=”off” background_color=”#8ccfd8″ allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” prev_background_color=”#ffffff” next_background_color=”#f7f7f7″ inner_width=”auto” inner_max_width=”1080px”][et_pb_row background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”1080px”][et_pb_column type=”4_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_text admin_label=”HEADER – What People are Saying” background_layout=”dark” text_orientation=”center” use_border_color=”off” border_color=”#ffffff” border_style=”solid” text_font_size=”24″ header_font_size=”42px” header_font_size_last_edited=”on|phone” header_font_size_phone=”34px” saved_tabs=”all” custom_padding=”50px|||” module_alignment=”center” background_position=”top_left” background_repeat=”repeat” background_size=”initial”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row make_fullwidth=”off” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” custom_padding=”0px||0px|” custom_margin=”0px|||” background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”1080px”][et_pb_column type=”4_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_slider admin_label=”TESTIMONIALS” show_arrows=”off” show_pagination=”on” auto=”on” remove_inner_shadow=”on” background_position=”top_left” hide_content_on_mobile=”off” hide_cta_on_mobile=”off” show_image_video_mobile=”on” custom_button=”off” button_icon_placement=”right” auto_speed=”10000″ top_padding_tablet=”30px” top_padding_last_edited=”off|tablet” top_padding_phone=”0px” disabled=”off” disabled_on=”off|on|” saved_tabs=”all” top_padding=”0px” body_font_size=”18″ custom_padding=”0px|0px||0px” custom_padding_tablet=”30px|||” custom_padding_phone=”0px|||” show_inner_shadow=”off” show_content_on_mobile=”on” show_cta_on_mobile=”on” _builder_version=”3.0.84″ custom_padding_last_edited=”off|tablet” box_shadow_horizontal=”0px” box_shadow_vertical=”0px” box_shadow_blur=”10px” box_shadow_spread=”0px” box_shadow_position=”inner” box_shadow_color=”rgba(0,0,0,0.1)” box_shadow_style=”none” button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”][et_pb_slide background_position=”default” background_size=”default” background_color=”rgba(255,255,255,0)” use_bg_overlay=”off” use_text_overlay=”off” alignment=”center” background_layout=”dark” allow_player_pause=”off” text_border_radius=”3″ header_font_select=”default” header_font=”||||” body_font_select=”default” body_font=”||||” custom_button=”off” button_font_select=”default” button_font=”||||” button_use_icon=”default” button_icon_placement=”right” button_on_hover=”on” admin_title=”Steve Leimberg” arrows_custom_color=”#ffffff” header_font_size_last_edited=”off|desktop” _builder_version=”3.0.84″]<\/p>\n \u201cI\u2019ve been writing and lecturing about life insurance since 1965 and there are concepts in this book that were eye-openers to me! The co-authors of Life Insurance 10X obviously know how life insurance works. More importantly, their very up-to-date guidance is clear, concise, comprehensive, and practical. This book is a unique and invaluable tool that provides both practitioners and consumers with information \u2013 and more importantly \u2013 specific advice and wise, ethical insight and counsel on how to fully maximize the utility of the wonder product called \u2018life insurance.'”<\/strong><\/p>\n Steve Leimberg<\/strong> [\/et_pb_slide][et_pb_slide background_position=”top_left” background_size=”cover” background_color=”rgba(255,255,255,0)” use_bg_overlay=”off” use_text_overlay=”off” alignment=”center” background_layout=”dark” allow_player_pause=”off” text_border_radius=”3″ header_font_select=”default” header_font=”||||” body_font_select=”default” body_font=”||||” custom_button=”off” button_font_select=”default” button_font=”||||” button_use_icon=”on” button_icon_placement=”right” button_on_hover=”on” admin_title=”Harold Evensky” arrows_custom_color=”#ffffff” header_font_size_last_edited=”off|desktop” _builder_version=”3.0.84″ use_background_color_gradient=”off” background_color_gradient_start=”#2b87da” background_color_gradient_end=”#29c4a9″ background_color_gradient_type=”linear” background_color_gradient_direction=”180deg” background_color_gradient_direction_radial=”center” background_color_gradient_start_position=”0%” background_color_gradient_end_position=”100%” parallax=”off” parallax_method=”on” background_repeat=”no-repeat” background_blend=”normal” header_level=”h1″ button_bg_use_color_gradient=”off” button_bg_color_gradient_start=”#2b87da” button_bg_color_gradient_end=”#29c4a9″ button_bg_color_gradient_type=”linear” button_bg_color_gradient_direction_radial=”center” button_bg_size=”cover” button_bg_position=”center” button_bg_repeat=”no-repeat” button_bg_blend=”normal” box_shadow_style_button=”none” box_shadow_color_button=”rgba(0,0,0,0.3)” box_shadow_position_button=”outer”]<\/p>\n \u201cAmazing! I have only one objection. In the introductory chapter Larry writes, \u201cLargely this book is for insurance advisors…\u201d Balderdash! This book is a must-read for any serious financial planner. For those of us without an insurance background, this is a major weakness in our professional skill set. That\u2019s tragic as risk management is probably the most important element of a comprehensive plan. The Life Insurance 10X<\/i> <\/i>vision and other 13 chapters by some of the nation\u2019s top insurance professionals, covering the gamut from Types of Policies, The Right Companies, Competitive Underwriting,\u00a0Ongoing Policy Management and everything in between, is a seminal contribution to the planning profession. Buy it, read it, and your clients will be well rewarded.\u201d\u00a0<\/strong><\/p>\n Harold Evensky<\/strong> [\/et_pb_slide][et_pb_slide background_position=”top_left” background_size=”cover” background_color=”rgba(255,255,255,0)” use_bg_overlay=”off” use_text_overlay=”off” alignment=”center” background_layout=”dark” allow_player_pause=”off” text_border_radius=”3″ header_font_select=”default” header_font=”||||” body_font_select=”default” body_font=”||||” custom_button=”off” button_font_select=”default” button_font=”||||” button_use_icon=”on” button_icon_placement=”right” button_on_hover=”on” admin_title=”Joseph M. Belth” arrows_custom_color=”#ffffff” header_font_size_last_edited=”off|desktop” _builder_version=”3.0.84″ use_background_color_gradient=”off” background_color_gradient_start=”#2b87da” background_color_gradient_end=”#29c4a9″ background_color_gradient_type=”linear” background_color_gradient_direction=”180deg” background_color_gradient_direction_radial=”center” background_color_gradient_start_position=”0%” background_color_gradient_end_position=”100%” parallax=”off” parallax_method=”on” background_repeat=”no-repeat” background_blend=”normal” header_level=”h1″ button_bg_use_color_gradient=”off” button_bg_color_gradient_start=”#2b87da” button_bg_color_gradient_end=”#29c4a9″ button_bg_color_gradient_type=”linear” button_bg_color_gradient_direction_radial=”center” button_bg_size=”cover” button_bg_position=”center” button_bg_repeat=”no-repeat” button_bg_blend=”normal” box_shadow_style_button=”none” box_shadow_color_button=”rgba(0,0,0,0.3)” box_shadow_position_button=”outer”]<\/p>\n \u201cThis book is an excellent guide for true professionals in the life insurance business, and for life insurance agents who aspire to be true professionals.\u201d\u00a0<\/strong><\/p>\n Joseph M. Belth<\/strong> [\/et_pb_slide][et_pb_slide background_position=”top_left” background_size=”cover” background_color=”rgba(255,255,255,0)” use_bg_overlay=”off” use_text_overlay=”off” alignment=”center” background_layout=”dark” allow_player_pause=”off” text_border_radius=”3″ header_font_select=”default” header_font=”||||” body_font_select=”default” body_font=”||||” custom_button=”off” button_font_select=”default” button_font=”||||” button_use_icon=”on” button_icon_placement=”right” button_on_hover=”on” admin_title=”James M. Benson” arrows_custom_color=”#ffffff” header_font_size_last_edited=”off|desktop” _builder_version=”3.0.84″ use_background_color_gradient=”off” background_color_gradient_start=”#2b87da” background_color_gradient_end=”#29c4a9″ background_color_gradient_type=”linear” background_color_gradient_direction=”180deg” background_color_gradient_direction_radial=”center” background_color_gradient_start_position=”0%” background_color_gradient_end_position=”100%” parallax=”off” parallax_method=”on” background_repeat=”no-repeat” background_blend=”normal” header_level=”h1″ button_bg_use_color_gradient=”off” button_bg_color_gradient_start=”#2b87da” button_bg_color_gradient_end=”#29c4a9″ button_bg_color_gradient_type=”linear” button_bg_color_gradient_direction_radial=”center” button_bg_size=”cover” button_bg_position=”center” button_bg_repeat=”no-repeat” button_bg_blend=”normal” box_shadow_style_button=”none” box_shadow_color_button=”rgba(0,0,0,0.3)” box_shadow_position_button=”outer”]<\/p>\n “The best Life Insurance book to appear in years!\u00a0Period.\u00a0Written by Professionals for Professionals…and anyone interested in understanding the \u2018New Order of Things.\u2019”<\/strong><\/p>\n James M. Benson<\/strong> [\/et_pb_slide][et_pb_slide background_position=”top_left” background_size=”cover” background_color=”rgba(255,255,255,0)” use_bg_overlay=”off” use_text_overlay=”off” alignment=”center” background_layout=”dark” allow_player_pause=”off” text_border_radius=”3″ header_font_select=”default” header_font=”||||” body_font_select=”default” body_font=”||||” custom_button=”off” button_font_select=”default” button_font=”||||” button_use_icon=”on” button_icon_placement=”right” button_on_hover=”on” admin_title=”Marvin H. Feldman” arrows_custom_color=”#ffffff” header_font_size_last_edited=”off|desktop” _builder_version=”3.0.84″ use_background_color_gradient=”off” background_color_gradient_start=”#2b87da” background_color_gradient_end=”#29c4a9″ background_color_gradient_type=”linear” background_color_gradient_direction=”180deg” background_color_gradient_direction_radial=”center” background_color_gradient_start_position=”0%” background_color_gradient_end_position=”100%” parallax=”off” parallax_method=”on” background_repeat=”no-repeat” background_blend=”normal” header_level=”h1″ button_bg_use_color_gradient=”off” button_bg_color_gradient_start=”#2b87da” button_bg_color_gradient_end=”#29c4a9″ button_bg_color_gradient_type=”linear” button_bg_color_gradient_direction_radial=”center” button_bg_size=”cover” button_bg_position=”center” button_bg_repeat=”no-repeat” button_bg_blend=”normal” box_shadow_style_button=”none” box_shadow_color_button=”rgba(0,0,0,0.3)” box_shadow_position_button=”outer”]<\/p>\n \u201cLife Insurance 10X is a tremendous educational tool written by some of the best and brightest advisors and life insurance specialists in the industry. It shows where and how life insurance works for our clients and how it should be used in the overall planning process. It\u2019s all about designing and tracking insurance recommendations to best fit the client\u2019s needs. I highly recommend this book for everyone in our industry.\u201d<\/strong><\/p>\n Marvin H. Feldman, CLU\u00ae, ChFC\u00ae, RFC<\/strong> [\/et_pb_slide][et_pb_slide background_position=”top_left” background_size=”cover” background_color=”rgba(255,255,255,0)” use_bg_overlay=”off” use_text_overlay=”off” alignment=”center” background_layout=”dark” allow_player_pause=”off” text_border_radius=”3″ header_font_select=”default” header_font=”||||” body_font_select=”default” body_font=”||||” custom_button=”off” button_font_select=”default” button_font=”||||” button_use_icon=”on” button_icon_placement=”right” button_on_hover=”on” admin_title=”Ravi Krovi, Ph.D.” arrows_custom_color=”#ffffff” header_font_size_last_edited=”off|desktop” _builder_version=”3.0.84″ use_background_color_gradient=”off” background_color_gradient_start=”#2b87da” background_color_gradient_end=”#29c4a9″ background_color_gradient_type=”linear” background_color_gradient_direction=”180deg” background_color_gradient_direction_radial=”center” background_color_gradient_start_position=”0%” background_color_gradient_end_position=”100%” parallax=”off” parallax_method=”on” background_repeat=”no-repeat” background_blend=”normal” header_level=”h1″ button_bg_use_color_gradient=”off” button_bg_color_gradient_start=”#2b87da” button_bg_color_gradient_end=”#29c4a9″ button_bg_color_gradient_type=”linear” button_bg_color_gradient_direction_radial=”center” button_bg_size=”cover” button_bg_position=”center” button_bg_repeat=”no-repeat” button_bg_blend=”normal” box_shadow_style_button=”none” box_shadow_color_button=”rgba(0,0,0,0.3)” box_shadow_position_button=”outer”]<\/p>\n \u201cHow best to create an end-to-end experience for policy holders? Life Insurance 10X is a unique collection of best practices for life insurance professionals on serving client interests in the advising process. It presents an easy-to-read, holistic and customer-centric approach to developing and managing policies in a rapidly changing industry.\u201d<\/strong><\/p>\n Ravi Krovi, Ph.D.<\/strong> [\/et_pb_slide][et_pb_slide background_position=”top_left” background_size=”cover” background_color=”rgba(255,255,255,0)” use_bg_overlay=”off” use_text_overlay=”off” alignment=”center” background_layout=”dark” allow_player_pause=”off” text_border_radius=”3″ header_font_select=”default” header_font=”||||” body_font_select=”default” body_font=”||||” custom_button=”off” button_font_select=”default” button_font=”||||” button_use_icon=”on” button_icon_placement=”right” button_on_hover=”on” admin_title=”Barry S. Mulholland, Ph.D., MBA, CFP\u00ae, ChFC\u00ae” arrows_custom_color=”#ffffff” header_font_size_last_edited=”off|desktop” _builder_version=”3.0.84″ use_background_color_gradient=”off” background_color_gradient_start=”#2b87da” background_color_gradient_end=”#29c4a9″ background_color_gradient_type=”linear” background_color_gradient_direction=”180deg” background_color_gradient_direction_radial=”center” background_color_gradient_start_position=”0%” background_color_gradient_end_position=”100%” parallax=”off” parallax_method=”on” background_repeat=”no-repeat” background_blend=”normal” header_level=”h1″ button_bg_use_color_gradient=”off” button_bg_color_gradient_start=”#2b87da” button_bg_color_gradient_end=”#29c4a9″ button_bg_color_gradient_type=”linear” button_bg_color_gradient_direction_radial=”center” button_bg_size=”cover” button_bg_position=”center” button_bg_repeat=”no-repeat” button_bg_blend=”normal” box_shadow_style_button=”none” box_shadow_color_button=”rgba(0,0,0,0.3)” box_shadow_position_button=”outer”]<\/p>\n \u201cLife insurance has transitioned over time from the simple tools of Whole Life and Term Life to the vast array of complex modern products today. The education and training for life insurance specialists has predominantly remained a sales agent preparation process and has not kept pace with this evolution. Life Insurance 10X brings a refreshing look at how professionals can better serve clients from the initial design of the life insurance policy through the service cycle. To truly be a professional\u00a0in delivering life insurance advice, advisors\u00a0must follow a process that continuously informs the client — from data gathering to solution development and implementation to ongoing monitoring and adjustments of in-force policies as the client\u2019s current situation changes and requires it. For life insurance advisors, this book explains the process needed to be that true professional. This book should be a mandatory read for anyone seeking (and for many who currently hold) a life insurance license.\u201d<\/strong><\/p>\n Barry S. Mulholland, Ph.D., MBA, CFP\u00ae, ChFC\u00ae<\/strong> [\/et_pb_slide][\/et_pb_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ fullwidth=”off” specialty=”off” transparent_background=”off” background_color=”#f7f7f7″ parallax_method=”off” custom_padding_tablet=”50px|0|50px|0″ custom_padding_last_edited=”on|desktop” _builder_version=”3.0.84″ disabled=”on” disabled_on=”on|on|on” prev_background_color=”#8ccfd8″ next_background_color=”#000000″ inner_width=”auto” inner_max_width=”1080px”][et_pb_row background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”1080px”][et_pb_column type=”4_4″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_text admin_label=”HEADER – PURCHASE NOW” background_layout=”light” text_orientation=”center” use_border_color=”off” border_color=”#ffffff” border_style=”solid” text_font_size=”24″ header_font_size=”42px” header_font_size_last_edited=”on|phone” header_font_size_phone=”34px” saved_tabs=”all” module_alignment=”center” background_position=”top_left” background_repeat=”repeat” background_size=”initial”]<\/p>\n [\/et_pb_text][et_pb_text admin_label=”PURCHASE – SUB TEXT” background_layout=”light” text_orientation=”center” use_border_color=”off” border_color=”#ffffff” border_style=”solid” module_alignment=”center” background_position=”top_left” background_repeat=”repeat” background_size=”initial”]<\/p>\n [\/et_pb_text][et_pb_cta admin_label=”PURCHASE BUTTON” button_url=”http:\/\/www.blurb.com\/b\/8197697-life-insurance-10x” url_new_window=”on” button_text=”Get your copy of Life Insurance 10X” use_background_color=”off” background_color=”#002536″ background_layout=”light” text_orientation=”center” use_border_color=”off” border_color=”#ffffff” border_style=”groove” custom_button=”on” button_letter_spacing=”0″ button_use_icon=”off” button_icon_placement=”right” button_on_hover=”on” button_letter_spacing_hover=”0″ custom_padding=”0px|20px|0px|20px” custom_css_main_element=”border-radius: 0px 0px 26px 26px;” custom_margin=”-25px|-20px||-20px” body_font_size=”30″ body_font=”Lato||||” button_text_color=”#4dbed5″ button_border_color=”#4dbed5″ saved_tabs=”all” button_text_size=”26″ button_bg_color=”rgba(0,0,0,0)” button_font=”Open Sans||||” button_text_color_hover=”#ffffff” button_bg_color_hover=”#4dbed5″ button_border_color_hover=”#4dbed5″ button_border_radius=”30″ background_position=”top_left” background_repeat=”repeat” background_size=”initial” \/][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ fullwidth=”off” specialty=”on” transparent_background=”off” background_color=”#f7f7f7″ allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” parallax_1=”off” parallax_method_1=”off” parallax_2=”off” parallax_method_2=”off” prev_background_color=”#000000″ next_background_color=”#002536″ inner_width=”auto” inner_max_width=”1080px”][et_pb_column type=”1_4″][et_pb_blurb admin_label=”OTHER LIFE RESOURCES W\/ ICON” url_new_window=”off” use_icon=”on” font_icon=”%%209%%” icon_color=”#eaeaeb” use_circle=”on” circle_color=”#4dbed5″ use_circle_border=”off” circle_border_color=”#ffffff” icon_placement=”top” animation=”top” background_layout=”light” text_orientation=”center” use_icon_font_size=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” icon_font_size=”60px” title=”Other Life Insurance 10X Resources” background_position=”top_left” background_repeat=”repeat” background_size=”initial” image_max_width=”none” \/][\/et_pb_column][et_pb_column type=”3_4″ specialty_columns=”3″][et_pb_row_inner admin_label=”Row” background_position=”top_left” background_repeat=”repeat” background_size=”initial”][et_pb_column_inner type=”4_4″ saved_specialty_column_type=”3_4″ custom_padding__hover=”|||” custom_padding=”|||” 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You should consult a qualified attorney, tax adviser, investment professional or insurance agent about the issues discussed herein.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ fullwidth=”off” specialty=”off” transparent_background=”off” background_color=”#eaeaeb” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” custom_padding_tablet=”50px|0|50px|0″ custom_padding_last_edited=”on|desktop” prev_background_color=”#002536″ inner_width=”auto” inner_max_width=”none” global_module=”653″][et_pb_row global_parent=”653″ background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”1080px”][et_pb_column type=”1_4″ global_parent=”653″ custom_padding__hover=”|||” custom_padding=”|||”][et_pb_text admin_label=”LOGO – TEMPORARY” global_parent=”653″ _builder_version=”3.12.1″ background_layout=”light” custom_padding=”||20px|”]<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ global_parent=”653″ custom_padding__hover=”|||” custom_padding=”|||”][et_pb_text admin_label=”MENU” global_parent=”653″ background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” text_text_color=”#002536″ text_font_size=”13″ text_line_height=”2.6em” custom_padding=”|0px||50px” custom_padding_last_edited=”on|tablet” custom_padding_tablet=”|0px||0px” background_position=”top_left” background_repeat=”repeat” background_size=”initial”]<\/p>\n OUR STORY<\/a> [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ global_parent=”653″ custom_padding__hover=”|||” custom_padding=”|||”][et_pb_text admin_label=”CONNECT” global_parent=”653″ use_border_color=”off” text_text_color=”#002536″ text_font_size=”13″ text_line_height=”2.6em” custom_padding=”|||0px” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.12.2″]<\/p>\n MEMBER LOGIN<\/a><\/span> [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ global_parent=”653″ custom_padding__hover=”|||” custom_padding=”|||”][et_pb_text admin_label=”SOCIAL” global_parent=”653″ use_border_color=”off” text_text_color=”#002536″ text_font_size=”13″ text_line_height=”2.6em” custom_padding=”|||0px” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.13.1″]<\/p>\n LINKEDIN<\/a><\/span> \u00a0<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row global_parent=”653″ background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.12.1″ disabled=”on” disabled_on=”on|on|on” width=”80%” max_width=”1080px”][et_pb_column type=”1_3″ global_parent=”653″ background_image=”https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/spacer_white.png” custom_padding__hover=”|||” custom_padding=”0px|0px|0px|0px” parallax=”off” parallax_method=”on”][et_pb_text admin_label=”Follow Valmark on Social” global_parent=”653″ _builder_version=”3.12.1″ custom_padding=”35px|||”]<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”2_3″ global_parent=”653″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”off”][et_pb_text admin_label=”SOCIAL FOLLOWS” global_parent=”653″ _builder_version=”3.12.1″]<\/p>\n [et_social_follow icon_style=”slide” icon_shape=”rounded” icons_location=”top” col_number=”3″ custom_colors=”true” bg_color=”#eaeaeb” bg_color_hover=”#eaeaeb” icon_color=”#022033″ icon_color_hover=”#004f60″ outer_color=”light” network_names=”true”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row global_parent=”653″ background_position=”top_left” background_repeat=”repeat” background_size=”initial” width=”80%” max_width=”1080px”][et_pb_column type=”4_4″ global_parent=”653″ custom_padding__hover=”|||” custom_padding=”|||” parallax_method=”on”][et_pb_text admin_label=”FOOTER – FINE PRINT” global_parent=”653″ background_layout=”light” text_font_size=”12″ text_text_color=”#002536″ use_border_color=”off” custom_padding=”0px|||” custom_padding_last_edited=”on|phone” custom_margin=”0px|||” custom_margin_last_edited=”on|phone” custom_margin_phone=”-30px|||” background_position=”top_left” background_repeat=”repeat” background_size=”initial” _builder_version=”3.0.105″]<\/p>\n Securities offered through Valmark Securities, Inc. Member FINRA\/SIPC. Investment advisory services offered through Valmark Advisers, Inc., a SEC Registered Investment Advisor. [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n<\/span>","protected":false},"excerpt":{"rendered":" Life Insurance 10X What would it mean to you to have a tell-tale book about life insurance that lays out an all-inclusive game plan, including several tactics and strategies, for dramatically improving the end-to-end client experience by ten times (10X)? In Life Insurance 10X, fourteen of the nation\u2019s foremost insurance professionals share their experiences and thoughts for revolutionizing the way life insurance is perceived and implemented today. About the Book The life insurance industry is on the precipice of a major shift. Just as Uber brought disruption to public car service, a consumer-focused approach is underway to replace the sales-oriented process we know today. \u201cLife insurance is the last product in the financial world that needs to come to consumers on their own terms. It drastically calls out for transformation that is built around the customer, not legacy systems of various life insurance companies, arcane paper-based processing, and data that is stale.\u201d In Life Insurance 10X we hear from 14 foremost professionals who are helping to usher in that change. Here they share specific processes and tools to make the end-to-end experience \u201cten times better\u201d (10X) as policyholders search for, obtain and preserve a life insurance policy to safeguard their […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1731,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"class_list":["post-2752","page","type-page","status-publish","hentry"],"yoast_head":"\nWhat People are Saying<\/h1>\n
![\"\"](\"https:\/\/valmarkfg.com\/site\/wp-content\/uploads\/graphic_quote_lightgrey-150x150.png\")
<\/p>\n
\nPublisher, Leimberg Information Services, Inc.
\nAuthor, \u201cTax Planning with Life Insurance\u201d and \u201cTools and Techniques of Life Insurance Planning\u201d<\/p>\n<\/p>\n
\nChairman, Evensky & Katz\/Foldes Financial
\nProfessor of Practice, Personal Financial Planning, Texas Tech University<\/p>\n<\/p>\n
\nProfessor emeritus of insurance, Kelley School of Business, Indiana University<\/p>\n<\/p>\n
\nChief Executive Officer, Benson Botsford, LLC
\nFormer Chief Executive Officer of John Hancock Life Insurance Company, New England Financial and Equitable Life Assurance Society
\nWinner of the 2006 John Newton Russell Memorial Award
\nValmark Financial Group Board Member<\/i><\/p>\n<\/p>\n
\nPresident and Chief Executive Officer, Life Happens
\nValmark Financial Group Member Firm<\/i><\/p>\n<\/p>\n
\nDean, College of Business Administration, The University of Akron<\/p>\n<\/p>\n
\nDirector, Financial Planning Program, The University of Akron<\/p>\nPurchase Now<\/h1>\n
Life Insurance 10X is Revolutionizing the Insurance Experience for Optimal Results<\/h4>\n
Disclosures<\/h1>\n
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