Tom Brough of Chicago – Do you Have a Good Life Insurance Plan?

If you are getting ready to take out a life insurance policy, there are several factors you should take into consideration. Tom Brough is a registered life insurance agent who works with clients in Chicago, Illinois. He is an experienced financial professional, who is able to provide his clients with information, resources, and advice. He is also a successful professional in the financial industry, who has been working with clients for years. As a registered life insurance agent, he helps his clients invest in the right life insurance policy for their family’s needs. Finding the right life insurance policy takes time, and this process often takes several different factors into consideration.

There are many different types of life insurance policies. You should choose the one that suits your needs, and the future needs of your family the best. The simplest type of life insurance product is a term policy. A term policy provides the policy holder with insurance coverage for a specific period of time, which is outlined in the contract. If the policy holder passes away during that period of time, then the beneficiaries will receive the death benefits. This type of policy has no investment component, and the premium is determined by the insured individual’s health and age. A term policy can be further broken down into two different types of policies. The first is a level term policy. With this policy, the death benefits do not change throughout the duration of the policy. The second type is called a decreasing term policy, with this type, the death benefits decrease throughout the life of the policy.

The second major category for life insurance policies is permanent life insurance. This type of policy offers policy holders several benefits. The policy holder has life insurance coverage as well as a cash value benefit. If a policy holder has this type of policy, then a small portion of the premium payment is saved for the policy holder each month. After the cash value has accumulated, and a specific amount of time has passed, the policyholder can withdraw that cash or borrow against it. It is important to note however, that borrowing against a life insurance cash benefit can potentially decrease the death benefits.

There are three major types of permanent life insurance. The first is called traditional whole health, with this policy, neither the premium nor the death benefits ever change. The second is called universal life insurance. This policy can have a fluid premium depending on the balance of the cash value account. The third is called variable life insurance. With this type, a portion of the premium is invested in money market mutual funds, bonds, and stocks in order to earn higher death benefits. Tom Brough Chicago is a licensed life insurance agent and an investment advisor who works with insurance policies in Chicago, Illinois.



Tom Brough Chicago – Life as a Licensed Life Insurance Agent

Within the financial services industry itself there are very few careers that can match the possibilities for a profitable payout as being a life insurance agent can offer. Not an easy path but you do have to adjust to the learning curves, peaks, and valleys and just flat-out get used to hearing the words no. The industry of life insurance focuses on helping families, businesses, and employees to protect themselves from the financial burdens and potential losses that occur when someone passes away. Although the payout is usually heavily commissioned earning, the agent selling eight or more policies monthly could make up to $100,000.00 a year as a rookie agent. This is not a career for the easily offended or those with a low self-esteem earn personality.

It is quite easy to find these types of jobs in local newspapers and online classifieds. In fact, it doesn’t require many strict qualifications other than education and coachability. If you are looking to get hired, keep some basic rules in mind. You’ll need a resume, and that resume should highlight your entrepreneurial spirit, your ability to take ownership and the attitude of the self-starter. It is also important to take the time to research the company you have applied for and make sure they have an outstanding reputation with their customers. Understand that this position is going to be challenging, and it may take a few months before you see any significant sales activity. It is important that you display fearless, determined and self-starter personality throughout your entire job search and when you’re hired. Persistence can get you the job in making a great impact on your career.

Tom Brough of Chicago is the founder of broth investment advisors and graduated from DePaul University where he earned a degree in finance.

Tom Brough Chicago: Family Time

Tom Brough of Chicago is a veteran financial advisor who has been active since completing his education at DePaul University, where he received a degree in finance in 1993. He has since worked for brokerage firms in the Chicago area and worked independently. Along the way he helped to raise one hundred million dollars for his firm’s fixed income bond trading program and developed twenty million dollars in real estate.

He has also started a family, and spending as much time with them as he can is very important to him. He believes that quality time with his family emerges from quantity time. In other words, the more time the family spends together, the better the quality of that time. And so whenever possible, his family shares meals, and talk about what they did during the day, sharing the ups and downs, successes and setbacks that make up ordinary life.

As Tom Brough of Chicago has learned, children raised this way do not forget meaningful family time. It’s important to him that he share as much of his time with his family as possible, but with his busy work schedule it can get a little tricky. When he knows he has an especially busy time coming up then he will build some family time into his schedule, often around a meal. He also knows that it is important to do a variety of different things, and that it isn’t so much what you are doing as the fact that the family is doing these things together. So even something as mundane as little household chores can be turned into quality family time. All of it, says Tom Brough of Chicago, will send that all-important message of love.


Tom Brough Chicago: Running Marathons

Tom Brough of Chicago is a financial advisor who has twenty years of experience under his belt. He has succeeded by committing himself to being the best that he can be, an approach that has served him well professionally, and in other endeavors.

Tom Brough of Chicago has completed three Chicago marathons, and knows that as daunting a prospect running 26.2 miles might seem to someone who has never done it before, it is not only an achievable goal, it is an incredible experience.

He says that anyone who wants to run in and complete a marathon can only succeed by committing to that goal, one hundred percent. You cannot be half-hearted about it. And once you decide to enter and complete a marathon you have to devote yourself completely to the preparation. He says that as simple as it might sound, what you really have to do is concentrate on putting one foot in front of the other, over and over, until you finally cross the finish line.

There are countless marathons held all over the United States, but when it came time to choose one Tom Brough of Chicago kept it easy and chose the Chicago marathon. Once that simple decision was made then he got himself the necessary gear, and the most important thing was a good pair of running shoes. There are a lot of different styles to choose from, and he knows from experience that no one style works for everyone. He recommends going to a specialty running store and asking a clerk to help you find the shoe that is going to work for you.

After that, Tom Brough says you train, and train, and train. And on marathon day, keep putting one foot in front of the other, until you cross the finish line.

Tom Brough Chicago: The Value of Reading

Tom Brough of Chicago studied finance at DePaul University and received his Bachelor’s degree in 1993. He is a Registered Investment Advisor and a licensed real estate agent, the President of Brough Investment Advisors, and manager of the Hedge Access Group.

He is an extraordinarily busy man, but he makes sure he always find the time to improve himself. He successfully completed a certified financial program at Northwestern University in 2009, shortly before forming Brough Investment Advisors. And he is an avid reader who knows that good reading habits not only keep him well informed and a well-rounded individual, but also help him stay mentally alert.

Tom Brough of Chicago knows that the human brain needs exercise, just like any other part of the body. Staying mentally stimulated has many benefits aside from keeping him informed. Studies show that staying mentally active greatly reduces the chances of developing Alzheimer’s disease, and might even prevent it.

Tom Brough of Chicago’s profession can be stressful, but he has learned that losing himself in a book can greatly reduce his stress level. Daily tensions slip away as reading transports him to another place.

Another great benefit from reading a lot is an expanded vocabulary. Like most specialized disciplines, finance has its own language, and through reading Tom Brough of Chicago has internalized that language. Reading has also improved his analytical thinking, and his focus and concentration. Reading a lot has also had an affect on his writing skills.

Tom Brough of Chicago knows that there is a lot of information in the world, and that reading allows him to access it.

Tom Brough Chicago: Licensed Life Insurance Agent

Tom Brough of Chicago is a financial expert who formed Brough Investment Advisors in 2009, after he had successfully completed a certified financial program at Northwestern University. He has been a financial advisor for many years. He has worked as a broker at several Chicago area brokerage firms, and also as an independent broker.

He is also a licensed life insurance agent. He has found that many people consider life insurance a daunting subject. It deals with something most people do not want to confront – their own mortality – and is can be expensive. A lot of people also find it complicated. And as the clincher, it can be boring.

That is where a licensed life insurance agent like Tom Brough of Chicago steps in. He says that the combined issues of complexity, dullness, expense, and subject matter can lead perfectly intelligent people to make unwise decisions. Many do not buy enough life insurance to cover all of their needs, he says, and many of those who do buy enough make mistakes, and end up with insurance that is not favorable.

But Tom Brough of Chicago says that consumers need to consider several things before they wade into the life insurance maze. He says that younger people without dependents probably don’t need life insurance, at least not yet. It’s a good idea to buy some if you plan on starting a family. He says that by starting young, you guarantee your insurability, provided you keep paying the premiums.

You can determine how much life insurance you will need by considering your age and income. Or, he says, you can take a needs-based approach by assessing the impact of your death on your dependents. You should also decide whether you need term insurance, which does not have an investment component, or cash value insurance. Term insurance usually has lower premiums than does cash value insurance.

Tom Brough of Chicago received a degree in finance from DePaul University.

Tom Brough Chicago: Managing Money

Tom Brough of Chicago is a financial advisor with twenty years of experience. He attended DePaul University and received a degree in finance in 1993, and has been working as a broker or financial advisor ever since. In 2009 he formed Brough Investment Advisors, a Chicago area investment firm that is committed to bringing each of its clients a fair return on their investments.

A financial advisor is, as the term suggests, someone who provides financial advice to a client. But Tom Brough of Chicago says it is really a general term and there are many different kinds of financial experts who can be considered financial advisors. Stock brokers and insurance agents, he says, would fall into this broad category, and so would financial planners and even estate planners or bankers.

Tom Brough of Chicago says that managing money can be a tricky matter, and he thinks it is a good idea to have the help of a trained professional. There is an attorney who represents himself has a fool for a client, and it is much the same thing when it comes to managing your own money, especially if there are large sums involved.

A skilled financial advisor, says Tom Brough of Chicago, can help you pick good stocks, bonds, and other investments. They are legally obligated, he says, to act in your best interest, which is important to know. He says that financial advisors are usually compensated by a flat fee, or else from receiving a percentage of the assets that are under management. In the latter, a one percent rate is common.