Life Insurance & Financial Advice

Blog articles published on ricksondsouza.com

Independent Financial Advisors Versus Tied Agents- Which One Is Right for Me?

Independent Financial Advisors Versus Tied Agents- Which One Is Right for Me?

A question I’d like you to play with is, “how much do I trust my financial advisor?”.   Is the trust enough for you to give them total responsibility on the handlings of a lifetime’s worth of wealth?   If you’ve been having doubts about this, that’s great. Always question everything. If not, then you definitely should be. One of the critical distinguishing factors that determine an…

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Leveraging Bank Deposits to Increase your Networth?

Leveraging Bank Deposits to Increase your Networth?

When you’d like to pass down money to your heirs, saving your life’s earnings into a fixed deposit account or investment portfolio is a common option. You depend on estimated interest rate fluctuations or returns from your investment portfolio to determine your growth. And you have the added benefit of being able to draw out the funds should there be an emergency.  But what would happen when the…

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Have You Been Audited Recently?

Have You Been Audited Recently?

Hearing a statement like this may scare most people. No, I’m not referring to being audited by tax authorities. You don’t have to pay fines or dues- at least not in the traditional sense. But what you don’t know can hurt you.  What am I referring to? When I talk about having been audited lately, I’m referring to how the average man, people like you and me, goes about fulfilling our financial needs. How…

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Planning Your Estate as a Muslim – a Life Insurance Hack

Planning Your Estate as a Muslim – a Life Insurance Hack

If you are of Arab or Islamic origin, legacy planning can become tricky when you are also required to follow the Shariah law. As the creator of impressive wealth accumulated over the years, how would you distribute those assets among the beneficiaries of your choice? If you’d like for one of your heirs to receive more than the other, for whatever reason, while ensuring that the rest of your assets are…

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How Endurance Sports is a Lot Like Life

How Endurance Sports is a Lot Like Life

If you’ve ever done any endurance sport, whether it is running, cycling or swimming, one thing is certain- that the results for your training do not come overnight.   The Nature of Endurance Sports  I took up running about 4 years ago in 2017, and until then most of my training was around CrossFit and weightlifting, where the results were more short-term: the…

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How Changing Your Smoker Status Can Save You About $1,000,000 in Life Insurance Premiums

How Changing Your Smoker Status Can Save You About $1,000,000 in Life Insurance Premiums

As a life insurance advisor and someone who’s gone from being obese to being a triathlete, you can be sure that there are two things that make me happy. The first one being when my clients make financial gains and the second being when they level up in their health and fitness.  It’s a bonus to see both of these…

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