Rejuvenate Libido – Herbs For Women For Better Sexual Health and Wellness

Any woman can suffer from a lack of sexual desire but the good news is, you can rejuvenate libido with with some time tested herbs which can be found in all the best herbal sex pills for women. Let’s take a look at how they work.

Let’s first look at some common causes of low libido in women.

For peak sexual health in terms of libido and sexual satisfaction all women need high levels of estogen and testosterone and if you don’t have enough of either sexual desire falls and sexual satisfaction is diminished. Hormonal changes a women faces throughout her life, also cause problems and common ones are – Childbirth, the Menopause and PMS.

Another problem which doesn’t just cause sexual health problems but general ones, is sluggish blood circulation around the body. In terms of libido, you must deliver blood to the pelvic region and fill the sex organs with blood to enjoy sex.

Finally, the mind plays a key role and to focus on and enjoy sex, you must be in a good mood and anxiety, low self worth, stress or worry will kill sex drive.

Let’s now look at a combination of herbs which can rejuvenate libido quickly.

Dong Quai

This herb fights stress and lifts mood and is known to help combat the side affects of hormonal changes such as PMS and the menopause.

The herb also increases estrogen production, regulates blood sugar levels and acts as a blood circulation herb. Dong Quai is packed with nutrients for better womens health and is seen as the ultimate womens herb.

Satavri Extract (Asparargus Recemosus)

Shatavri helps to boost levels of testosterone in the body, strengthens muscle tone and moistens the dry tissues of the sex organs.

Ginkgo Biloba

Ginkgo increases blood flow and oxygen flow to the brain, helping to improve mood and also acts as a blood circulation herb, to get more blood to all the extremities of the body, including the sex organs. It also improves metabolism efficiency, and regulates the bodies neurotransmitters.

Avena Sativa

Avena Sativa helps to relax the body and calms the mind and is known to enhance sensitivity in the vagina.

Methika Extract

Methika contains estrogen saponins which reduce levels of total cholesterol, LDL and triglycerides.

Shunthi (Ginger)

Ginger is a well known blood circulation herb, making sure blood is delivered quickly to the sex organs on arousal, as well as acting as a heart tonic. It also has numerous other health benefits which include – it helps to reduce motion sickness, nausea and combats indigestion, flatulence and diarrhea, as well as treating rheumatoid and osteoarthritis.


Schisandra increases blood flow to the female pelvic region; recent research has also shown, extracts of Schisandra act as a phytoestrogen.


This herb helps to reduce stress and anxiety, while at the same time improving mood and boosting overall body energy and finally, it’s an excellent blood circulation herb.

Get them All

In the best womens natural sex pills and you will not only rejuvenate your libido, you will improve your overall level of health at the same time.


Life, Health and Fitness

Health can be defined as the ultimate bliss that can be bestowed upon a person. It is the greatest asset one can possess and it’s of course the most-sought after in today’s break-neck paced world. People sort to so many ways in achieving the coveted perfect health condition. And fortunately there are so many distinct ways of doing that. Fitness is a word frequently thrown around whenever the topic health pops up, and it means nothing being efficient to do what an individual wants to without any difficulty. In simple terms it’s all about being fit. It doesn’t mean to look good or have an awe-inspiring figure but to be healthy and be able to do the day-to-day chores without fretting much effort. Fitness is, not pulling a muscle or a having sprain just when you bend that extra degree for some work, being fit means running that occasional for catching that running bus without panting like a whale. Eating all the junk you want and hitting the gym when you find that flab hanging around your waist doesn’t mean you are healthy or fit. Nor does it imply consciousness about proper health. Considering the kind of lifestyles prevalent maintaining proper health becomes one of the main objectives of people.

Now the big question how can we allocate some time daily for activities which help us to be fit and healthy when we got no time for having a hearty meal? Enthusiasm for being healthy and fear of contracting long-term health problems may act as the much-needed impetus for doing so. Moreover there are a lot of side-effects of these, though it’s not proper to call them so, which provide added advantages. Workouts for example prove to be boon for both men and women alike as they help in building a stronger body at the same time provide vanity-related goodies like glowing skin! Apart from workouts activities which promote the decrement of stress-levels like meditating and yoga prove to be the perfect tools for improving one’s health condition and maintaining it.

It’s a known fact, healthy mind in a healthy body. So being fit is not the prerequisite for only those who have physical work involved in their daily routine but even those who fret over their computer monitors need it to cut down those extra stress levels and stop those receding hairlines. Yes there are more advantages when compared to drawbacks (which can be counted as none) of leading healthy necessarily through being fit and by performing activities to uphold it. So it’s never too late to hit the nearest fitness centre or start the process at your own home which may be the triggering point for a much better life and importantly healthy life.

What Are the Nine Bodyparts of a Better Life?

Your Head, think about what you want and move towards it

Everyday we have several opportunities to make a change for the better, the worse or to just stay the same and every time we make a decision it is in one of these directions. At breakfast you could have oatmeal, or toast and jam, or you could have a coffee and a donut, your decision could often be better. When you get to work you could take the elevator only part way and climb a few flights in the very empty stairwell or you could choose to take an elevator to your floor. Don’t feel too terribly bad about all of your decisions as you should know that not many others are making a great decision every time either. I ride my bike to work every day and in a building of 1000 people I am one of three bike riders. Look at these decisions one at a time and if it is a little easier carry around a notebook and write down things to do better. Try to resolve today to just do a few things alittle better than you did yesterday.

Your Heart, have passion in your life

There was movie a few years ago called “Pay It Forward” where the child in the movie gave something to a homeless man with the explicit command that he had to pay it forward. Pay it forward means that you do good things for others with the expectation that they will follow through and do good things for others as well. This is the way that great societies invigorate and continue to revitalise themselves. What are you doing through work of the heart to make things better for the others around you? Can you send an uplifting email to someone you have not seen in a while? Can you send flowers to an enemy, anonymously? Can you make sure that your family knows today as well as tomorrow that you love them? Resolve today to think of the feelings of others more often

Your Mouth, be careful of what you put in your mouth

Try to look at all of the food going into your mouth. Are you eating a lot of fatty foods that your body will have to fight to digest? Are you eating a lot of sugar that is making you THINK that you have a lot of energy? Are you drinking a lot of water instead of pop or coffee? And finally are you eating a lot of nice clean food, fruits, vegetables and lean meats? Changes in our diet are often hard but we forget about that after a week or so when we are feeling better than we have felt for years and have energy to burn to do great things with our life. And again the water, your mouth waters when you think about food for a reason, we need lots of water to help us digest and to keep our metabolism at an even keel

Your Arms, make sure you do exercise with your arms

Anytime that you exercise with your arms you are doing more work than usual. Riding a bike you use you arms to steer, playing tennis you are using your arms to toss and swing, swimming you are using your arms to propel yourself. You can see also that anytime you use your arms you are more engaged in the activity. I always think of wports that you use your arms in as being a lot more fun.

Your Legs, make sure you do exercise with your legs

Your legs are the part of your body that propels you. The biggest muscles in your body are in your legs and they are the key to improving your fitness. If you get started using your legs more you will be stronger, no overnight but in as soon as a week. You should begin by taking a leisurely walk for a half an hour in the morning or evening and then move up to a faster pace, a longer time or bothand before you know it you are looking forward to that quiet time as well as feeling great before, during and after your exercise.

Your Eyes, see what is possible

Some people look at changes in their lifestyle as being impossible, do not do that! Have some passion in living a better life. Too often we see people living a life of common destiny where they live within the lowest common standards. What if you stopped watching TV every night? What if instead of just reading a book you wrote one instead? What if you woke up one hour earlier in the morning every day and had some quiet time and a great workout while listening to music that only teenagers are supposed to listen to. Look at everything in your surroundings. What is possible? what are others doing? What do you currently think is possible? Just as we can make a decision on what we eat and what we do we can also go out and change our lives by making changes that we have seen. Any expectations that we have are ours alone. Today remember that we can do whatever we want just by deciding that “Yes, today I will see this as possible and do it now!”

Your Ears, hear everything and move the info to your head

Listen to your surroundings; make sure that you are listening and not just interperting what you want to hear. The truth is only our perception of the stories we hear and the things that we believe we have seen. Make sure that today you try to hear the other persons point of veiw and instead of thinking of a response in a disagreement try instead to see why the other person it thinking the way she is.

Your Stomach, your abs are the key to your core strength

Most people hate situps, there is something really uncomfortable about cramping up your stomach to get a stomach exercise to work. Instead of situps always do crunches, a crunch is done by putting your lower legs up on a chair, lying down like for a situp and then just raising your shoulders a few inches off of the floor. After you do this a few times you will feel it in your gut but over a couple of weeks of doing this three times a week you will feel much stronger and your posture and breathing will improve immensly.

Your Back, lie back and relax

Always take the time to lie back and relax. Sleep is always important especially when the regular and irregular stresses of life get you down or drive you crazy. Another important thing to do is just to lie back in a quiet room or a field or in the car on the side of the road and just let all of the stresses of life wash away. Think of the ways to fix for your lifes problems not when you are trying to fall asleep but after dinner on the couch or while lying in the backyard under a warm sun when you don’t have anything pressing that needs to be done.

Investing in Your Health – The Key to a Better Life

Nowadays, there are so many people with different health conditions. Probably due to the congestion that brings pollution to most cities, we become prone to illnesses. The sad thing is, we don’t seem to pay attention to our health. Despite the news about the increasing number of diseased people, we tend to neglect the truth that we have to be extra cautious about our health.

To get to the bottom of this situation, the primary thing that we have to know is the reason for our sickness. It becomes a concern especially for people who suddenly broke down and rushed to the hospital. Part of our rights, we are given the opportunity to be given treatment equally. It includes choosing the place where we will be treated. As we know, hospitals differ in terms of medical facilities. Some less fortunate countries are not able to build sophisticated hospitals hence are not able to give appropriate solutions to every sickness.

Nevertheless, reality bites; not every country have a nice and decent health care system that ensures patients are being attended to. Some countries do not even have enough number of hospitals hence when calamity strikes, they have to ask for aide from different nations. On these countries live less fortunate citizens who barely can buy medicines when they get sick. Only until a person is dying that going to a hospital becomes necessary. This is one of the problems that the Who Health Organization is trying to resolve. The best people to ask are their national government officials. What are the actions that they are doing to resolve this case internally? What help should be given to ensure health care is given equally to its citizens.

Not only less fortunate people are prone to sickness, even those working in an office. Although the physical stress is not quite present, the mental and emotional stresses are there which little by little kills a corporate person. Stress is the primary reason why a person with a decent job in an office gets sick. Due to different workloads and deadlines, anxiety becomes inevitable. When a person worries too much about everything, he is most likely to catch flu or fever. It’s as if his brain is exploding. With the love of career, many people inside an office tend to endure this kind of pain. Considering that they have less time for physical fitness activities, their bodies tend to weaken. When the body is weak, naturally, the person becomes more vulnerable to sickness.

Make it a priority to ensure health care. Regular quick exercise will at least boost your energy and resistance to sickness. Given that there is not enough time, this will do. It may be admirable to work hard as it usually takes someone up the corporate ladder but realize that you can always work smart. Manage your activities in the office smartly. This will not only make you productive at work but will ensure that you are not careless about your health. With this changing world and environment, you have to be prepared of tomorrow. Be healthy and safe always to live a better life.

For most parents, exercising with kids around is a necessity, but unfortunately most jogging strollers are not equipped to work with the body in ergonomic ways. Online, you can find an adjustable stroller handle extender [] that will work well for short and tall parents, and help reduce the risk of back strain and soreness associated with standard, non-ergonomic stroller handles. Get more details at [].

Better Life for Parents and Grandparents

When we were still young, our parents and grandparents usually give us everything we want. If we requested for new toy, they will make it a point to give it to us one way or the other. When we say we want to go to the park, they are more than happy to bring us there to play with other children. Basically, they provide us comfort that we deserve because they love us. Well, once the time comes that we are more than capable and in position to give them the better life they deserve then why not? This is nothing like giving back but of course this is because we love them and we care for them just like the way they treat us. Here are some examples of ways we can do to provide better life for your parents as well as grandparents:

1. Give them weekly or monthly check ups – since they are not getting any younger, it is normal that they feel various complications or pains in their body. It is very important to give them weekly or monthly checkups with their doctor. It would be best if we could accompany them in these days but if the schedule doesn’t permit then just make sure that someone will accompany them and make sure that they will not fail their monthly or weekly checkups. Their health is very important so if they complain about something in their body like heart, lungs or anything, make sure to go to the doctors right away to ensure that proper medication will be given to them.

2. Provide them medicare plans they deserve – as mentioned health is very important most especially for older people so it would be a nice idea to arrange their medicare plans so when they got sick and hospitalized, there will be assistance that they deserve. If you do not know about medicare plan and medicare advantages then you could always ask or call their office or you could always read articles in the Internet.

3. Get services of people who can help them in everyday routine – since our grandparents and parents are already old or probably weak to perform daily tasks in the house like laundry, cooking, washing the dishes and cleaning so what you could do is hire people who can provide these services. Your parents and grandparents will surely feel better since they can finally take rest from washing the laundry, cooking, and other heavy things in the house. You could also get a private nurse to look after them. Since you are busy with work or with your own family, you could only feel better if you know that someone is looking after your loved ones.

Providing better life for our loved ones most especially our parents and grandparents is definitely great feeling. Let us always remember the hardships they went through while raising us and now that we are in the position to give them happy and comfortable life we must give it to them without any hesitations.

What Will It Take For You To Create a Better Life?

Many of us talk about creating a better life. We want our life to be different – but how? We’re often not sure or clear on what we really want. So we keep doing what we have always done. Wanting or wishing for change but not actually doing anything about it.

“If you keep on doing what you’ve always done, you’ll keep on getting what you’ve always got.”

W.L. Bateman

Why is that? Is our life not really that bad that we aren’t motivated enough to change? Are we lazy? Are we too busy to actually make change? Is it lack of clarity? Is it lack of motivation?

We all have excuses and justifications for our lack of action. We aren’t wrong and we certainly aren’t alone with our behaviour.

Why then do some people suddenly have absolute clarity over what is important in their life? They know what they have to do, when they have to do it, and why they should be doing it?

I know for a couple of my friends, lately, their reason for clarity has been ill health. Both friends had been diagnosed with a potentially life-threatening illness. Both friends had their life put on hold for approximately six months while they went through treatment. Both friends have come out of the ordeal [for want of a more suitable word] having clarity, complete and utter clarity about what is really important for them and the people they love the most.

Both friends are now creating the life they really want to live. Are they fortunate or not, that they had to go through such a traumatic period to gain clarity?

So what can the rest of us do to gain clarity? What can we use to motivate us? Why is it that people who face their own death suddenly know what is important to create the life they want to lead while the rest of us busy ourselves so we don’t have to take action.

I am interested to know what would motivate you to change? Is it money, health, relationships, career?

Evan Money said:

Take Action and the World is Yours.

So what action do you have to take to create your ideal life? There are many ways to do this. One suggestion is to look at your life in categories and rate them out of 10. These categories are individual and up to you; however, to assist you to get started, may I suggest the following:

Business / Career
Personal Growth
Romance / Significant other
When you are evaluating, your score doesn’t matter, what matters is the next step. For example, if I rated fitness a 6 out of 10, then my next question would be, what do I have to do to move this category to a 7? Think about your next step and take action to make it happen. Step by step, action by action, you are on your way to creating a better life – the life you want.

You can make improvements in one category at a time or identify a few. Be mindful of planning to make too many changes that it becomes overwhelming and you run back to your comfort zone. At times, creating a better life may mean you have to take a step out of your comfort zone and do something different or new. Just take a small step that means you will take action to create a better life. Take the attitude of bring it on and make your life one that excites and motivates you every day!

Practicing Yoga for Better Holistic Health

You can most certainly use yoga as an exercise to enjoy better health. However, yoga can do so much more to benefit you beyond just using it as an exercise. Many westerners practice yoga simply as a way to stay fit like an aerobics class but true yoga practice leads to better physical health, mental well-being and spiritual growth. What many call yoga today is really just the asanas meaning physical postures. But the asanas are just one of the eight limbs of yoga. The eight limbs of yoga are known as yama, niyama, asanas, pranayama, pratyahara, dharana, dhyana and samadhi. Without fully getting into the eight limbs, let’s explore some of the ways yoga benefits you in body, mind and soul.

First we should understand that the very word “yoga” itself means “union.” It is referring to the union of the soul and Spirit. Thus the very word yoga is “spiritual” in essence. Yet many attempt to practice yoga without the “spiritual” aspect to it. We must understand that spirituality and religion are too vastly different things. Spirituality is universal while religion is relative to the practitioner. You can be spiritual without necessarily being religious but unfortunately every religious person doesn’t necessarily embody spiritual principles. But I digress… let’s stay focused on how yoga benefits the body, mind and spirit:

Yoga as an exercise helps the body by stretching the limbs and strengthening the muscles. This helps to get much needed oxygen to body parts that may not always get the best circulation. In conjunction with the postures and body movements, one tends to increase the heart rate and deepen the breathing. Of course increased circulation and breathing creates a pressure gradient which in turn influences the lymph system which is then able to remove toxins and poisons from the bloodstream more effectively. So yoga, like many exercises, helps to influence all of the body for the better through increased body systems of digestion, circulation, metabolism, perspiration etc which leads to better strength, flexibility, energy, vitality, endurance and general health. However, unlike some exercises, smart yoga practice helps to minimize potential injuries, strains, tears or detrimental results. Of course because body and mind are connected, a healthier body tends to encourage a healthier mind.

A restless body tends to cause a restless mind. Yet a calm mind helps to influence a calm body. So what tends to have the greatest effect on the mind??? The breath! If you’d like to most directly calm the mind then practice steady and deep breathing. As you breathe more deeply, the lungs are able to absorb more oxygen and as the oxygen in the bloodstream becomes more plentiful, the organs require less and thus the heart slows. A calm heart greatly leads to a calm mind. This is the beginning stages of pranayama – breath control… or more specifically – life force control! A healthy mind is one that is calm, clear, focused and able to concentrate. A healthy mind is free of worry, paranoia, stress and doubt. Ultimately, a still mind leads to greater awareness, consciousness and eventually a spiritual “experience.”

So whether or not you are a “religious” person isn’t important. You don’t have to believe in a god or worship any higher power. But just as assured is gravity, there is a spirit within us all. Our own individualized consciousness is referred to as the soul. As our soul awareness grows, we come to realize that we are all part of One Spirit. This One Spirit is in fact the only true Reality. It is this Spirit that not only gives life to but “becomes” all of creation and manifestation. Through its own self-induced spell of “multiplicity” it dreams itself into an infinite number of “smaller selves” but in Truth never loses its own True Nature. Many refer to this process of soul awakening as Self-Realization. An awakened “self” becomes master of its creation. Thus, we have “yoga” – the union of soul and Spirit. This state is referred by many names such as samadhi, moksha, kaivalya, christ consciousness and so on. It is the ultimate state of being.

As you can see, yoga as an exercise does help improve one’s health but this is just the tip of the iceberg of what yoga leads to. Yoga is the means and the end of attainment. A true yogi is one who has awakened and overcome avidya – ignorance of self!

Better Penis Health Formula: Red Wine and Juice

Even when he’s just had the best sex of his life, many a man finds himself thinking “That was great! Now what can I do to have even better sex next time?” That’s a testament to the pull and the allure that sex has for men – which has the benefit of making guys keep an eye on their penis health so that their equipment is in good shape for that better sex when it comes along. One option some experts suggest for better sex and penis health is the proper consumption of red wine and of citrus fruits – both of which are tasty options to try.

Red wine? Sure thing!

It’s no surprise that red wine is on the list of things that lead to better sex. Wine itself is often associated in with sexiness. How many rom-coms include a scene with a couple sipping as their bodies relax, a hand travels up a leg, and lips are soon locked in a fervent kiss? The bouquet associated with red wine has a sensual cast to it, and even the color is lascivious, with that deep red bringing to mind heat and flames.

But beyond the popular image of it, there’s a reason why red men is a sex enhancer (for men and for women both). Red wine contains a compound known as quercetin, a flavonoid found in other plant and fruit-based products as well. It’s found in rather significant quantities, and this may explain why red wine makes a man feel sexier. One of the functions of quercetin is to inhibit an enzyme known as UGT2B17.

Why is this good? Because UGT2B17’s function is to get testosterone out of the body. By blocking this enzyme, it helps testosterone levels remain high, which in turn tends to increase a guy’s sex drive.

What about women? Well, red wine also plays a role in making a woman feel more “in the mood.” It does this by increasing blood flow to her erogenous zones.

How much?

So red wine has a libido-enhancing effect on both men and women, which can translate into better sex in many cases. But should a couple chug down a whole bottle just before dropping off into bed?

Probably not. As with all things alcohol-related, too much red wine can ultimately have a dampening effect.

It’s suggested that couple enjoy two glasses each of wine, perhaps one with dinner and one afterward. It’s also thought that regularly having two glasses of red wine has the long term effect of more sexual activity, which of course leads to better penis health.

The citrus connection

And what about citrus fruits? A recent study found that men who eat citrus fruits (including in juice form) tend to have fewer issues related with erectile dysfunction. The reason seems to be the cardiovascular benefits typically associated with citrus fruits, which in turn keep the penis well-oxygenated, thereby making erections easier to come by. Most experts believe just a few servings of citrus fruit a week can make a significant difference.

Some men may find that red wine and citrus fruits are indeed a path to better sex. They will want to make sure their member is poised to benefit from the sex by regularly using a superior penis health crème (health professionals recommend Man1 Man Oil, which is clinically proven mild and safe for skin). The preferred crème will contain L-arginine, an amino acid that keeps the penile blood vessels open and receptive for greater blood flow. It’s also beneficial to use a crème with acetyl L carnitine, another amino acid that protects against the peripheral nerve damage that can result from exciting but rough and over-aggressive sex.

Independent Life Insurance Brokers Wage War on Life & Health Insurance Providers Reign

For well over a century life and health insurance providers held golden handcuffs on their agents and brokers. Independent life insurance brokers became fighting mad at these insurance providers trapping them inside giant Jell-O molds. This provided independent brokers little flexibility in prospecting, selling skills, choice of clients, and pressed inside a tight income range.

FINALLY, independent life insurance brokers are electing to challenge the insurance companies, seeking independence, and running their personal sales like their own business instead of like a textbook copy of what the company wants. A talented insurance agent quickly learns that the insurance provider needs them, and must offer more to hang on to the producer. An observant health or life insurance broker has over 600 independent insurance company choices to work out a winning combination with.

Sure insurance companies have cast heavy thunderstorm hurdles for the agents to overcome. A very high percentage of agent manpower gets lost along the way. However, each year, a larger group of agents is seeing the rainbow that lies ahead if they manage their own future. These are the independents, heroes to other agents that have not yet mastered the selling skills, or self-determination to join them. Here is some factual data on how the selling field has changed.


If you read insurance publications subsidized by major insurance company ads, you would think this is an easy money field. Obtaining the realms of information you need to learn, plus constantly changing sales regulations, disclosures, and mandated features you quickly become a walking encyclopedia. For two reasons insurance companies dominate. First, they write OVER 60% of the premiums themselves (internally), as appointed agents and independent brokers bring in the remainder. A newer agent convinces his client to put his $4,000 in savings into an annuity. The agent is compensated at 5%, $200 for the annuity sale. Instead, had this broker written a $50.00 monthly life insurance policy the provider would have paid out about $400.00.

Before a policy is written, a broker is going to write coverage that is profitable to himself and the the company. Listening to the training of life and health insurance providers, can cost a producer half their income.

The major shift in power from company appointed agents to independent life insurance brokers starting in the year 2000. The individual life market share revealed the following distribution percentages. 48% by Career Company appointed agents. Likewise, independent life insurance agents wrote 48%. The remaining small balance was picked up others, mainly stockbrokers.

Insurance Companies attempted driving most agents out of the business, especially the independent ones who commanded higher commissions. The home office wanted to receive 100% of the profits. With internet ads, phone telemarketing, direct mail bypassing agents, emails, and television ads, they thought they could prevail. After millions and millions of dollars spent on trying to sell insurance without using large numbers of agents, the whip came down. The got back lashed with a severe beating reminder that read, “insurance is a product, filling emotion needs that needs to be sold by human people.” A robot, cut out the middleman approach was a burning backfire.


Health and life insurance company providers learned the hard way that business could be obtained by used television, internet, and direct mail advertising to attempt to get consumers to buy from them. Sure they saved a little on commissions, but their high overhead was bombarded by less healthy applicants, poorer claims communication, and less loyal clients. Career agents are enraged when they see their company want to sell insurance without their services. Life insurance broker agents are not in-housed, so they are paid higher commissions to sell the same coverage.

The word became clearer. Cater heavier to independent agents or lose market share. Since 2007 the big shift drifted in. Not only were there sideline marketing efforts not creating new marketing trends, but career insurance companies saw less sales from their own agents. Life insurance sales by captive, exclusive, and multi-line agents combined dropped from 48% in 1999 to 35%. Greatly gaining were the higher skilled and higher paid independent agents, now writing near 58%. Stockbrokers and banks maintain an 8% share, further eroding career agent sales.

Without the direct sales efforts of insurance selling agents, look at this fact. Home offices write less than 30% of life, health, retirement, group, and medical policies. This is why a two step ladder emerged. First the captive career life insurance providers started offering similar products to outside independent brokers at higher commissions. This was quickly trumped by independent insurance companies specializing in smaller product niches. Why not pay everyone the same? Let the career agency start training them, and then take over and show the producer how to really sell and at respectable income levels?


If life and health insurance companies could exchange the word “greed” for “need” they would be in a better position. It is a well known fact that 2/3 of Americans do not carry enough life insurance. However most companies twist their agents’ necks to focus on the wealthy. Liberty National, a company, you might not know of, is worthy of recognition. Of well over 600 life and health insurance companies, they have written by a wide margin, the largest client base of whole life insurance policyholders.

The top eight term policy writers are NOT known big life insurers Nor do they constantly bombard television commercials with a term life insurance quote opportunity. They know that excessive insurance television advertising to get a quote, or trying to bypass their own agents is unethical. One super-large insurer that got caught trying to entice customers with the lowest rates and enabling phone purchases is in a financial mess. This well-known company is costing the American government and taxpayers, billions of dollars in bailout provisions.


Most states have around 300 active annuity, health, and life insurers. Here’s a few thoughts to toss around. Are you satisfied with your currently earnings? Do agents with the major branded companies really sell more insurance? Could you survive a career switch? Does a term insurance sale provide you with 50%, 70%, or 90+% commissions? How long do you want to wait before becoming a career professional. Could you run a business, yours, or is the guidance you are receiving far too valuable?

It is what your insurance provider can do for you? What you can do for your insurance company? Alternatively, it should be what you can do for yourself and your clients.

Success Principle For Personal Development – The ABC’s of Success and Simple Advice to a Better Life

If you were to sum-up these A-Z success principles, they all mean one thing: we must take responsibility for our lives. We all have our unique talents, and if we focus on our innate abilities rather than our weaknesses, we can achieve amazing results in all aspects of our lives. In order to have a better life, I believe Personal Development is absolutely essential.

The main objective is that we must decide what we want, believe we deserve it and go for it. Here are a simple set of rules for success. By consciously implementing these simple truths, we can achieve higher levels of performance and achievement in all areas of our lives.

The ABC’s of Success:

o Authentic Life: Sadly most people spend enormous amounts of energy keeping up with the Joneses, rather than doing what it’s really important to them and live an Authentic life, a life that resonate with our inner beings. True happiness can only be achieved by being authentic and seeking happiness from within. It’s time to claim our authentic self and live our lives to our fullest potential and a purposeful life.

o Believe In Yourself: Henry Ford said it best: “whether you think you can or think you can’t – you are right”. We must first believe in ourselves and in our innate talents that we can achieve our goals. Without this belief, we would never even attempt to do anything about our dreams and goals. You must be like the toddler who just starts learning to walk! Always believe in yourself and hold that image of yourself as if you already have achieved what you’ve set to do.

o Courage: Especially moral courage. If you have moral courage, you will always act congruence with your moral principles, regardless of whatever popular opposition you may be faced with. On your quest to success, you will certainly to be faced with difficult decisions and dilemmas, but if you have the strength of an ethical leader, you will make the right decisions every time. We must internalize this, not just make it an intellectual exercise.

o Drive: A high degree of self-motivation. This motivation should be internal and you must focus on your “WHY” If you were to study all self-made men and women, you will learn that all, without exception, have one thing in common, they are all self-motivated. Burning desire to succeed, is prerequisite to success. Find a reason to succeed and all self-imposed obstacles to success such as: fear, procrastination, etc. will disappear. If you have a strong internal drive, then tenacity and persistence will guide you to the top.

o Enthusiasm: The word originates from the Ancient Greece and it means: The God Within. Enthusiasm helps you connect with your inner power. Ralph Waldo Emerson said it best: Nothing great was ever achieved without enthusiasm. It’s the fuel which powers you to success. With enthusiasm you have the inspiration to stay the course of your undertaking. It will sustain you as you go through difficult times, and believe me, you will.

o Family and Friends: What good is there to achieve success in business for example, but to fail in most important part of life, which is family. How sad must it be when a child ask: mom, dad can you please come and see me play at my soccer game? Only for the parents to respond: Sorry, I have to work tomorrow. They have no time for what matter most. Missing those special moments, such as: first words, first steps, etc. are truly priceless. Having the ability to be there for our friends when they need us most is also priceless. So my advice is find a way to get out of the Rat-race and work from home. This is 21st Century. Spending most of your time with your boss and in traffic surely doesn’t give you much time for your loved ones.

o Goals: Goals are your motivating force for turning your vision of the future into reality. Without goals, you are like the ship without the rudder and the destination you end up, probably you wouldn’t like it. So set you goals with the attitude of “burning the boats”. Succeed or perish. Your goals should be smart. S. M. A. R.T. Goals: Specific, Measurable, Attainable, Realistic, and Timely

Specific, stretching, significant

Measurable, motivational, meaningful

Attainable, achievable, action-oriented, acceptable

Realistic, results-oriented, relevant, reasonable, rewarding

Timely, time-based, track-able, tangible

o Health: We must have an holistic approach that encompasses all 3 aspects: Mind, body and spirit. If we radiate wellness, other people will follow us and then we would be able to carry the message of wellness to all people of the world.

o Imagination: Unlike knowledge, imagination has no limits. If you can imagine your goals, then you should be able to achieve them. We can’t overstate the power of imagination for it’s the gateway to the world of unlimited potential. Every Olympian without exception, has first imagined the medal on their necks long before the competition. The same goes for every self-made man and woman.

o Just do it! What else is there to be said!

o Knowledge: In today’s information and service based global economy, knowledge especially specialized knowledge is critical to your success. The acquisition of knowledge should be your life-long quest. If your car is not a University on wheels, you are missing big time. All successful leaders are knowledgeable in their chosen field.

o Love: Love and be loved! Love is one of the most important things in life.

o Money: Pay yourself first and NEVER live beyond your means. Supplement Your Income: Start and internet business. Find something that is in alignment with your passion. Whatever that is. For me is health and wellness.

o Now: The power of now: Living in the now, Live in the present moment.

o Optimism: With optimism, even from bad situation we can learn something valuable. It gives us the ability to see the good in the worst of situations. It’s a proven fact that optimistic attitude is beneficial to both mental health and physical well-being. Optimism is another prerequisite to success. Life is full of adversities, winners at the game of life are those optimistic people who expect to win every time.

o Persuasion: One characteristic you will find common in every successful person, even a child is the ability to persuade others. For example: to be a great parent, you must have the ability to persuade. If your kids don’t want to do what you want them to do, then it means you are a very poor salesperson. Three critical elements must be present for effective persuasion: trust, logic, and emotion.

o Quitters: Everything that is worthwhile is difficult at first, before it becomes easy. The problem with most people is that they quit too soon and hence quitters can never win. Perseverance is what separates winner from losers.

o Risk Taker: We most often regret more the things we haven’t tried and what could have been; than the things we have tried and not succeeded. Play-it-safers are people who live in the rut. Life for them is very monotonous rather than an daring adventure. Robert Frost once said: Two roads diverged in the forest; I took the one less traveled, and it made all the difference.

o Stop procrastinating: Feel the fear and do it anyway.

o Take control of your own destiny: You have the power to create your very own destiny. You are in total control.

o Understand yourself: Plato said it better than anybody else could have: “The first and greatest victory is to conquer self; to be conquered by self is, of all things, the most shameful and vile.”

o Vision: Helen Keller bluntly said: “The most pathetic person in the world is someone who has sight, but has no vision.” What’s your vision for your future? Are you living for the weekend?

o Willpower: It takes inner strength and that indomitable will to have willpower. Do you have it?

o eXcited: Be excited about your life. Life is too short to be otherwise!

o You: Honor you. There’s no one like you.

o Zero-in like a laser beam on your main target, and go for it. Never look back or hesitate.