What I Believe

I believe in being a good steward of the opportunities we have with the people we care for and the gifts and talents we’ve either been born with or have worked for.

I believe noble work involves investing in your craft so that you know what you’re talking about, acting for the benefit of others, and having a fierce affection and loyalty to your clients and friends.

I believe most people want their time & money management to be in alignment with their personal values, and that contentment comes from having this feeling.

I believe that worry is a roadblock to happiness and inhibits good decisions and slows good behaviors.

I believe that knowing what you want can liberate capacity and apply what’s already good to go make it better.

I believe that people who are grateful, gracious, and giving are more successful than people who are cynical, contentious, and controlling.

Photo: Safety Bay, Flathead Lake, MT

darrenmcgraw

4 Most Important Questions

Here are the 4 most important questions families should be asking themselves when it comes to their insurance:

  1. What are the losses that could cause the most damage to our financial plan?
  2. If those losses happened, how much money would we need to keep the financial plan in working order?
  3. Of those most serious losses, which ones would we be willing to buy insurance for?
  4. Of those that are insurable, what are our expectations of the insurance product and the insurance company in how they both perform after a loss?

If you have answers to these questions, and you can find a reliable expert who’s able to engage in a conversation about these and help you find the solution that fits, you stand a good chance of making an ultimate decision about your insurance that matches your personal values, and a greater likelihood that future claims will meet your expectations.

Don’t fall into the trap of listening to insurance people talk about product features, customer-service satisfaction scores, “bundling” and other gimmicks, and false promises of premium savings.  You can get all of those things and still have insurance that has zero chance of actually getting you what you need.  Have high expectations, have a strong sense of your need, and demand your insurance partner be all-in on what matters to you.

Photo: Rachael McGraw – Maui, Hawaii

darrenmcgraw