Behavioral economics tells us that when people say they can't afford life insurance, even when they admit they don't have enough, there's more to it than a straight budget calculation. The negative feelings of 'losing' the premium for more insurance are often a lot stronger than the positive feelings of buying the needed protection.
Bob Kerzner
Related It was really more of a corporate Web site before, and if a customer wanted to get life insurance fr... GURU VASUDEVA Women are more attuned to feelings than men are, and if they’re not being truthful, more often tha... NICHOLAS SPARKS The modern liberals have unwittingly engaged in the classic textbook propaganda that Nazis have used... TROY J. GAINEY People don't understand insurance. There's a lot more to it than just the rate. BOB HINES Millions of people acknowledge today that they do not know the meaning of life. JAMES C. DOBSON The most important things are the hardest things to say. They are the things you get ashamed of beca... STEPHEN KING We know there are many misconceptions on the part of consumers when it comes to long-term care insur... DEBORAH RICE (All the grief she had suffered over her lifetime had moulded her face into a mask of eternal sadnes... JEAN SASSON Some people just love to play. They playing with toys when they were kids, they playing with friends... ZAHID CHAUDHRY It's a fact. We are magnets who attract whatever we are being. When we emit positive energy, thought... SUSAN C. YOUNG People just hate the idea of losing. Any loss, even a small one, is just so terrible to contemplate ... DANIEL KAHNEMAN If a woman truly loves you, you can’t always expect her to tell the truth. You see, women are more... NICHOLAS SPARKS if a woman truly loves you, you can’t always expect her to tell the truth. You see, women are more... NICHOLAS SPARKS It is more likely that a man and a woman develop romantic feelings for each other when they start da... LINDA ALFIORI We, as a community, live as the wind blows with visitors; they bring the money into the city, ... Wh... DENISE GRIFFIN Losing stays with you a lot more than winning stays with you. Yes, there are positive feelings that ... AL GROH Today more than 20,000 communities participate in the National Flood Insurance Program. More than 90... GARY MILLER You know someone's right for you when the things they don't have to say are even more importa... JODI PICOULT Are they reducing the number of 'Nutcrackers' because people are either canceling subscriptions or n... CYNTHIA ANDERSON Like great works, deep feelings always mean more than they are conscious of saying. ALBERT CAMUS The result was, of course, that today, tragically, more than 40 million Americans don't have hea... GEORGE J. MITCHELL The Left only worries about people who don't want to work; they could care less. They cater more... DONALD TRUMP, JR. The pleasures of the world are deceitful; they promise more than they give. They trouble us in seeki... MADAME DE LAMBERT The pleasures of the world are deceitful; they promise more than they give. They trouble us in seek... MADAME DE LAMBERT More often than not, people who are obsessed with their desires and feelings are generally unhappier... SHANNON L. ALDER You must save what you can of your life; you musn't lose it all simply because you've lost a part. HENRY JAMES Women, the way I see it, are very evolved people. They're more mature, they're more aware of... ROB REINER Hers was a small-town practice. She knew a lot of her patients. Most had no insurance and therefore ... JOEL HIRSCHHORN You can't afford to get your tests done, ... I went in to an insurance company ... I had a wife and ... JOE PISCOPO At this moment i admit this wall next to me have feelings more than me DALEEN IRSHAID A budget tells us what we can't afford, but it doesn't keep us from buying it. WILLIAM FEATHER They will have a much better idea of what the requirements are when they rebuild their house. It wil... MARVIN DAVIS I think most American workers want to make sure that when they have actually purchased health insura... EDWARD KENNEDY People fear death even more than pain. It's strange that they fear death. Life hurts a lot more than... JIM MORRISON This report may give pause to some of the optimists looking for a stronger second half, ... We need ... JARED BERNSTEIN A painting of a person can be descriptive, but for me it's about all the things that make up a p... ELIZABETH PEYTON There were a lot of people in the service,” says Dickey, “who cried when they were discharged be... GEORGE SHEEHAN I'm always telling myself I don't have many feelings. Even when something does affect me I'm only mo... HERTA MüLLER Most men of education are more superstitious than they admit - nay, than they think GEORG CHRISTOPH LICHTENBERG People fear death even more than pain. It's strange that they fear death. Life hurts a lot more ... JIM MORRISON Some people are like a thermometer. If their environment is negative, they are negative. If bad thin... CAMERON C. TAYLOR I am often asked how it is that I am able to value people to such a deep degree. Apparently, I exhib... C. JOYBELL C. He had forgotten our procedure for establishing the budget for the insurance fund, ... When we sit d... BOB WOODRUFF He's a fiery guy, and players are feeding off that. Joe is a straight shooter. When you're doing som... DEXTER COAKLEY What's more enchanting than the voices of young people, when you can't hear what they say? LOGAN PEARSALL SMITH Thanks, when they are expressed, are often more embarrassing than welcomed ROBERT LOUIS STEVENSON Today, 45 million Americans cannot afford a Cadillac health insurance policy with all the mandated b... ALBERT WYNN Do you know that one of the great problems of our age is that we are governed by people who care mor... MARGARET THATCHER If two people truly have feelings for one another then they don’t have an affair. They get a divor... SHANNON L. ALDER Now they have a riddle. - Criminal Minds DEYTH BANGER For years governments have been promising more than they can deliver, and delivering more than they ... PAUL MARTIN Look to your heart and soul first, rather than looking to your head first, when choosing. Rather tha... JEFFREY R. ANDERSON Your instincts may tell you that you can’t survive if you experience feelings. But they are leftov... MAUREEN BRADY When people say they hate life, to what are they comparing it to? The alternative isn't any more app... CARROLL BRYANT Research showed that people don't understand how much life insurance they should own or how to figur... DAMON BATES She wasn't bitter. She was sad, though. But it was a hopeful kind of sad. The kind of sad that just ... STEPHEN CHBOSKY So, I guess we are who we are for alot of reasons. And maybe we'll never know most of them. But even... STEPHEN CHBOSKY I love my mom so much. I don't care if that's corny to say. I think on my next birthday, I'm going t... STEPHEN CHBOSKY We Are All Infinite STEPHEN CHBOSKY You can't just sit there and put everyone's lives ahead of yours and think that counts as love. You ... STEPHEN CHBOSKY I saw other people there. Old men sitting alone. Young girls with blue eye shadow and awkward jaws. ... STEPHEN CHBOSKY That one moment when you know you are not a sad story. You are ALIVE. STEPHAN CHBOSKY Somos quienes somos por un montón de razones.Quizás nunca conozcamos la mayoría de ellas.Pero aun... STEPHEN CHBOSKY Ambos dijeron que tomara asiento y parecían hablar en serio, así que me senté. STEPHEN CHBOSKY I know these will all be stories some day, and our pictures will become old photographs. We all beco... STEPHEN CHBOSKY So I guess we are who we are for a lot of reasons. And maybewe'll never know most of them. STEPHEN CHBOSKY So I guess we are who we are for a lot of reasons. And maybe we'll never know most of them. STEPHEN CHBOSKY There's nothing like the deep breathes after laughing that hard. Nothing in the world like a sore st... STHEPHEN CHBOSKY no more pencils, no more books, no more teachers' dirty looks, when the teacher rings the bell, drop... STEPHEN CHBOSKY I don't know the significance of this, but I find it very interesting. STEPHEN CHBOSKY Maybe it’s sad that these are now memories. And maybe it’s not sad. STEPHEN CHBOSKY From the Kindle Book Reflections in the Mirror of Life: “In a slum somewhere in India As... THE PROPHET OF LIFE In this life, we reap the results of everything that we do; even if the things that we do and the th... C. JOYBELL C. The answer isn't more time but a greater awareness of the time we have. CRAIG GROESCHEL Emotions, or feelings, have a function. They tell us something. They are a signal....Anger tells us ... JOHN TOWNSEND What is more enchanting than the voices of young people when you can't hear what they say LOGAN PEARSALL SMITH There are lots of people who have insurance through their employers, and they inadvertently sign up ... LYNDA DELAFORGUE You often love someone not for what they are, but for what you are when you are with them. JEFFREY FRY That family lost a lot; the house was a total loss. But they had insurance and already had things in... JENNIFER RYAN After Hurricane Andrew, Florida laws were changed because it was a new landmark as the most devastat... JOHN BENSON A stereotype may be negative or positive, but even positive stereotypes present two problems: They a... NANCY KRESS People are aware that they have a major problem with their retirement pensions [and] health insuranc... HUBERTUS PELLENGAHR When strictly looking at dollars, the bottom line is that it will be more advantageous for us to kee... GARY CLAY There is no sound more annoying than the chatter of a child, and none more sad than the silence they... MARK LAWRENCE There is a boundary to men's passions when they act from feelings; but none when they are under the ... EDMUND BURKE I often feel that when people have affairs, it has more to do with something they're searching f... LAILA ROBINS May I never neither turn left nor turn right in my journey of life, but may I go straight to Christ ... ERNEST AGYEMANG YEBOAH You poets are accustomed to finding words for everything beautiful and you don’t even grant that p... HERMANN HESSE What would ultimately de-escalate the challenges of society would be for people to get educated, esp... OBIAGELI EZEKWESILI We are double-checking the situation regarding COBRA benefits. Some authorities say even if they dis... GIL GALL A professor who teaches what I do for a living, which is insurance law, they don't know more about t... DAVID GOODWIN What music is more enchanting than the voices of young people, when you can't hear what they say? LOGAN PEARSALL SMITH People tend to accept information that confirms their existing beliefs and feelings, and reject info... RACHEL HILARY BROWN A lot of it is self-esteem. A lot of people are more capable than they realize. Our own fears are ou... KATE MCATEER A budget tells us what we can't afford, but it doesn't keep us from buying it. WILLIAM FEATHER We send a lot of variance applications to the state. More often than not, they get approved. GEORDIE SMITH The distinction between uninsured and insured isn't as simple as it used to be. When we look at peop... CAROL PRYOR They are more to me than life, these voices, they are more than motherliness and more than fear; the... ERICH MARIA REMARQUE You can't expect to prevent negative feelings altogether. And you can't expect to experience positiv... GREG ANDERSON You can't expect to prevent negative feelings altogether. And you can't expect to experience posit... GREG ANDERSON
More Bob Kerzner
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and white collar jobs are outsourced
what color collar jobs are left... BOB EDWARDS I do benefits for all religions -- I'd hate to blow the hereafter on a technicality. BOB HOPE Jesus tapped me on the shoulder and said, Bob, why are you resisting me? I said, I'm not resisting y... BOB DYLAN If I were asked for a one line answer to the question What makes a woman good in bed? I would say, A... BOB GUCCIONE Boxing is a rather amorphous body, though recognizable because it is headless. BOB VERDI I drive a jeep. An old jeep, so nobody will say I'm driving a BMW anymore. I couldn't stand that B... BOB MARLEY When I was playing I never wished I was doing anything else. I think being a professional athlete i... BOB GIBSON It's really very simple, Governor. When people are hungry they die. So spare me your politics and te... BOB GELDOF Don't gain the world and lose your soul, wisdom is better than silver or gold... BOB MARLEY Middle age is when your age starts to show around your middle. BOB HOPE They'll always be an England, even if it's in Hollywood. BOB HOPE People who throw kisses are hopelessly lazy. BOB HOPE If you haven't any charity in your heart, you have the worst kind of heart trouble. BOB HOPE A bank is a place that will lend you money if you can prove that you don't need it. BOB HOPE People who throw kisses are mighty, hopelessly lazy. BOB HOPE It sure has been a pleasure for us to broadcast for the sailors and soldiers; besides, its part of t... BOB HOPE I'll tell 'ya how to stay young: Hang around with older people BOB HOPE My father told me all about the birds and the bees, the liar - I went steady with a woodpecker till ... BOB HOPE I grew up with six brothers. That's how I learned to dance - waiting for the bathroom. BOB HOPE