# Plan For Purpose > From Security to Significance ## Posts - [Are We Talking About Education Planning Early Enough?](https://planforpurpose.com/are-we-talking-about-education-planning-early-enough/): In Jamaica, I have seen financial institutions encourage parents to prepare for their children’s education from an early age. - [How Time Changes Things](https://planforpurpose.com/how-time-changes-things/): On September 4, 1979, at 18 years old, I received my first driver’s licence. - [Are You Still Riding a Dead Horse?](https://planforpurpose.com/are-you-still-riding-a-dead-horse/): Simple advice. But surprisingly difficult to follow. - [The Retirement Trap Nobody Talks About: Feeling Guilty for Resting](https://planforpurpose.com/the-retirement-trap-nobody-talks-about-feeling-guilty-for-resting/): For many people, especially those who have spent decades building careers, raising families, and meeting responsibilities, this idea feels almost foreign. - [Philanthropy Through Life Insurance: A Different Way to Give](https://planforpurpose.com/philanthropy-through-life-insurance-a-different-way-to-give/): When most people think about life insurance, they think about protection, and rightly so. It’s there to provide for loved ones when you’re no longer around. - [Life Insurance and Blended Families: Navigating Complex Relationships](https://planforpurpose.com/life-insurance-and-blended-families-navigating-complex-relationships/): Blended families are becoming increasingly common, bringing together spouses, children from previous relationships, stepchildren, and extended family members into one household. - [Life Insurance Isn’t Just a Payout, It’s a Financial Tool](https://planforpurpose.com/life-insurance-isnt-just-a-payout-its-a-financial-tool/): One of the most underutilized features of life insurance is policy assignment. - [Let’s be honest…](https://planforpurpose.com/802-2/): If professionals are still chasing income in their seventies, what exactly are they teaching us about freedom? - [PFAD: The Invisible Safety Net Behind Life Insurance Promises](https://planforpurpose.com/780-2/): Financial planning is not just about strategy, it’s about trust. - [Winning the Rat Race… But Missing the Point](https://planforpurpose.com/winning-the-rat-race-but-missing-the-point/): It’s a bold statement, but one that deserves reflection. - [Sometimes Sacrifice Turns into Bitterness: Public Shaming, Single Parenthood, and Resentment](https://planforpurpose.com/sometimes-sacrifice-turns-into-bitterness-public-shaming-single-parenthood-and-resentment/): A recent online video showed a mother speaking acrimoniously about her daughter, emphasizing that she singlehandedly raised her in very poor conditions, only to feel “abandoned” later. - [Interpleader: The Safety Valve Most Policyholders Never Hear About](https://planforpurpose.com/interpleader-the-safety-valve-most-policyholders-never-hear-about/): Claim filed → Documents reviewed → Benefit paid. - [The Cost of Not Having Insurance Is Far Greater Than the Cost of Having It](https://planforpurpose.com/the-cost-of-not-having-insurance-is-far-greater-than-the-cost-of-having-it/): Life doesn’t always give us advance notice. - [Scarcity vs. Abundance: The Mindset That Quietly Shapes Your Career, Business, and Leadership](https://planforpurpose.com/scarcity-vs-abundance-the-mindset-that-quietly-shapes-your-career-business-and-leadership/): Two people can have the same skills, experience, and opportunity, yet end up with very different results. - [AI isn’t the Enemy of literature. Fear Is](https://planforpurpose.com/ai-isnt-the-enemy-of-literature-fear-is/): Every generation believes it’s witnessing the decline of serious writing. - [Leave a Trail That Lasts](https://planforpurpose.com/leave-a-trail-that-lasts/): Every so often, I’m reminded of how quickly the world forgets us. - [How Underwriters and Reinsurers Really Work Behind the Scenes](https://planforpurpose.com/how-underwriters-and-reinsurers-really-work-behind-the-scenes/): A clear, conversational look at the structure that keeps the global insurance system stable. - [Should You Insure the Goose or the Golden Egg? A Common Mistake in Life Insurance Planning](https://planforpurpose.com/should-you-insure-the-goose-or-the-golden-egg-a-common-mistake-in-life-insurance-planning/): On the surface, this sounds caring and responsible. After all, what parent doesn’t want to protect their children? - [Lessons From Hurricane Melissa: Protecting Our Homes, Our Families, and Our Future](https://planforpurpose.com/708-2/): Hurricane Melissa has passed, but the impact will be felt for years. - [Rebuilding Trust in Insurance: Why 80% Distrust the Industry, And How We Fix It](https://planforpurpose.com/rebuilding-trust-in-insurance-why-80-distrust-the-industry-and-how-we-fix-it/): Trust is the invisible currency that fuels every financial system. Without it, even the most technically sound products fail to gain traction. - [Understanding Insurable Interest in Life Insurance](https://planforpurpose.com/understanding-insurable-interest-in-life-insurance/): Insurable interest is one of the most important principles in life insurance. It ensures policies are purchased for protection, not for financial gain. - [Understanding Insurance, Reinsurance & Retrocession, and Why Retention Limits Matter](https://planforpurpose.com/understanding-insurance-reinsurance-retrocession-and-why-retention-limits-matter/): In the risk-driven world of financial protection, insurance companies don’t carry every risk on their own books. - [Should Celebrities Film Their Donations? Understanding the Impact on Hurricane Melissa Relief Efforts](https://planforpurpose.com/should-celebrities-film-their-donations-understanding-the-impact-on-hurricane-melissa-relief-efforts/): When natural disasters strike, like the devastating impact of Hurricane Melissa, charitable support becomes essential. - [Clicks Over Credibility: What Hurricane Melissa Reveals About Modern Media Ethics](https://planforpurpose.com/clicks-over-credibility-what-hurricane-melissa-reveals-about-modern-media-ethics/): As Hurricane Melissa battered Jamaica, a different kind of storm raged online, one fueled by sensationalism, misinformation, and profit. - [From Crisis to Opportunity: Lessons from Hurricane Melissa](https://planforpurpose.com/from-crisis-to-opportunity-lessons-from-hurricane-melissa/): When disasters strike, they mean very different things to different people. - [Why Owning a Home Still Matters - Especially in Retirement](https://planforpurpose.com/why-owning-a-home-still-matters-especially-in-retirement/): There’s a growing number of voices suggesting that homeownership is overrated. - [The Human Side of Insurance: Compassion in Crisis](https://planforpurpose.com/the-human-side-of-insurance-compassion-in-crisis/): A few days before Hurricane Melissa struck, I shared some thoughts on preparation and protection, how insurance is a promise we put in place before we ever need it. - [Valued Contracts vs. Indemnity Contracts: Lessons from Hurricane Melissa](https://planforpurpose.com/valued-contracts-vs-indemnity-contracts-lessons-from-hurricane-melissa/): In the wake of Hurricane Melissa, we’re seeing both life insurance and peril insurance claims being processed. - [Leading Through the Storm: What Hurricane Melissa Teaches Us About Team Dynamics and Resilient Leadership](https://planforpurpose.com/leading-through-the-storm-what-hurricane-melissa-teaches-us-about-team-dynamics-and-resilient-leadership/): When disaster strikes, chaos is inevitable, but what determines whether a community stay fragmented or finds strength together is often how leaders guide people through each phase of recovery. - [When Crisis Strikes: The Hidden Challenges of Moving Into Emergency Shelters](https://planforpurpose.com/when-crisis-strikes-the-hidden-challenges-of-moving-into-emergency-shelters/): When disaster hits, whether it’s a hurricane, flood, wildfire, or tornado: public shelters become a lifeline. - [Before the Storm: Reflections on Preparation and Protection](https://planforpurpose.com/before-the-storm-reflections-on-preparation-and-protection/): I’ve spent most of my professional life, over 35 years, helping people understand the importance of insurance. - [When Elephants Fight, It’s the Grass That Suffers](https://planforpurpose.com/when-elephants-fight-its-the-grass-that-suffers/): It’s a vivid reminder that when those in power clash, it’s the people on the ground who bear the consequences. Once again, as the U.S. - [From Success to Significance: The Clint Eastwood Way](https://planforpurpose.com/from-success-to-significance-the-clint-eastwood-way/): On July 24, 2025, I wrote an op-ed titled From Success to Significance: Why Accomplished People Are Letting Go of Luxury. - [Cars in Parking Lots: But Purpose Is the True Driver of Life](https://planforpurpose.com/cars-in-parking-lots-but-purpose-is-the-true-driver-of-life/): Modern cars are incredible machines. They come equipped with advanced braking systems, high-performance tires, balanced suspensions, and aerodynamic designs. - [Life Stage Marketing in Life Insurance: Meeting Clients Where They Are](https://planforpurpose.com/life-stage-marketing-in-life-insurance-meeting-clients-where-they-are/): Life insurance is not a one-time purchase, it’s a lifelong strategy. - [Jimmy Kimmel, People Power, and the Podcast Revolution Challenging Network Control](https://planforpurpose.com/jimmy-kimmel-people-power-and-the-podcast-revolution-challenging-network-control/): The recent suspension and reinstatement of Jimmy Kimmel Live! on ABC (owned by Disney) revealed much more than a clash over a late-night joke. - [Lower Taxes, Higher Purpose: How the 1985 Reforms Fueled Life Insurance Growth](https://planforpurpose.com/lower-taxes-higher-purpose-how-the-1985-reforms-fueled-life-insurance-growth/): In the early 1980s, payroll taxes in Jamaica were punishingly high. Many employees faced effective tax rates over 50%. - [Why do So Many Marriages Fail, and What We Can Learn](https://planforpurpose.com/why-do-so-many-marriages-fail-and-what-we-can-learn/): I am not a relationship expert, but I do bring the perspective of experience. My wife and I have been married for over thirty years. - [The Chaos of Freedom: Discipline in Decline](https://planforpurpose.com/the-chaos-of-freedom-discipline-in-decline/): Much of the turmoil we see in Western society today can be traced back to a simple truth: we have abandoned discipline. - [Never Let Your Schooling Get in the Way of Your Education” – Mark Twain](https://planforpurpose.com/never-let-your-schooling-get-in-the-way-of-your-education-mark-twain/): Mark Twain’s quip - “Never let your schooling get in the way of your education”, carries far more weight than mere humor. - [Remembering 9/11: A Day That Changed the World](https://planforpurpose.com/remembering-9-11-a-day-that-changed-the-world/): On the morning of September 11, 2001, I was preparing for work when I heard Francois St. - [Why Civics, Identification, and Migration Shape Voter Apathy in Jamaica](https://planforpurpose.com/why-civics-identification-and-migration-shape-voter-apathy-in-jamaica/): Jamaica has long prided itself on being one of the region’s strongest democracies, yet voter turnout tells a different story. - [The Fall of Another CEO: Leadership, Scandal, and the Question of Gender](https://planforpurpose.com/the-fall-of-another-ceo-leadership-scandal-and-the-question-of-gender/): The dismissal of Nestlé’s chief executive on September 1, 2025, for an undisclosed relationship with a subordinate marks yet another high-profile fall from grace. - [Sour Grapes vs. Sweet Lemons: How Rationalizations Shape Our Lives and Society](https://planforpurpose.com/sour-grapes-vs-sweet-lemons-how-rationalizations-shape-our-lives-and-society/): Human beings have a remarkable ability to protect themselves from disappointment and dissatisfaction. - [The Herd Mentality vs. Independent Thought](https://planforpurpose.com/the-herd-mentality-vs-independent-thought/): Herd mentality begins early. From childhood, we are taught, sometimes subtly, sometimes directly, that fitting in is safer than standing out. - [Jamaica Must Begin the Conversation on Long-Term Care Insurance](https://planforpurpose.com/jamaica-must-begin-the-conversation-on-long-term-care-insurance/): In Jamaica today, we are living longer than ever before. - [From Trepidation to Transformation: Harnessing the Brain for Success in Life Insurance Career](https://planforpurpose.com/from-trepidation-to-transformation-harnessing-the-brain-for-success-in-life-insurance-career/): When I made the decision to join the life insurance career as an advisor more than 35 years ago, not everyone around me was enthusiastic. - [The Prevalence of Single Motherhood: Causes, Consequences, and the Path Forward](https://planforpurpose.com/the-prevalence-of-single-motherhood-causes-consequences-and-the-path-forward/): Single motherhood has become increasingly prevalent across societies worldwide. - [Eyes on the Finish: The Usain Bolt Lesson](https://planforpurpose.com/eyes-on-the-finish-the-usain-bolt-lesson/): In the 2016 Rio Olympics, Usain Bolt stepped onto the track for Round 1, Heat 7 of the men’s 100 m. - [The Irony of Justice: Is It Justice or Just Us?](https://planforpurpose.com/the-irony-of-justice-is-it-justice-or-just-us/): Justice is often symbolized by Lady Justice, blindfolded, holding scales, and promising impartiality. - [From “Two Is Better Than Too Many” to “Too Few to Sustain” Jamaica’s Demographic Crossroads](https://planforpurpose.com/from-two-is-better-than-too-many-to-too-few-to-sustain-jamaicas-demographic-crossroads/): Jamaica’s demographic narrative has taken a dramatic turn. - [From Rotary Dials to Touchscreens: See How Technology Has Rewritten Everyday Skills](https://planforpurpose.com/from-rotary-dials-to-touchscreens-see-how-technology-has-rewritten-everyday-skills/): Not long ago, the rotary phone was the centerpiece of the household. You’d lift the receiver, wait for the dial tone, and slowly turn each number into place. - [One-Size-Fits-All Insurance Advice Can Cost You More Than You Think](https://planforpurpose.com/one-size-fits-all-insurance-advice-can-cost-you-more-than-you-think/): We live in an age where financial tips are just a click or a podcast away. - [Are We the Last Generation of Hands-On Caregivers?](https://planforpurpose.com/are-we-the-last-generation-of-hands-on-caregivers/): Fifteen years ago, when my father passed away, my mother’s life changed overnight. - [Genetics Loads the Gun, Lifestyle Pulls the Trigger](https://planforpurpose.com/genetics-loads-the-gun-lifestyle-pulls-the-trigger/): It’s a phrase that stops people in their tracks, and for good reason. - [Why High Earners Still Need Financial Advice: The Hidden Trap of Parkinson’s Law](https://planforpurpose.com/482-2/): “If a family is earning USD400,000 annually, they don’t need a financial advisor. - [Workplace Romance: Friend, Foe, or Something More Complicated?](https://planforpurpose.com/477-2/): Workplace Romance: Friend, Foe, or Something More Complicated? - [Planning for Purpose: 5 Questions to Guide the Rest of Your Life](https://planforpurpose.com/planning-for-purpose-5-questions-to-guide-the-rest-of-your-life/): As life transitions from building and achieving to reflecting and refining, many find themselves asking: What now? What truly matters? - [Are Leaders Sleeping at the Wheel? Why Jack Welch’s Warning Has Never Been More Urgent](https://planforpurpose.com/456-2/): We’re living in an age of exponential change. - [Selling Your Life Insurance Policy: Understanding Life Settlements and How They Work](https://planforpurpose.com/selling-your-life-insurance-policy-understanding-life-settlements-and-how-they-work/): Most people think of life insurance as a safety net for their loved ones, a payout triggered after their passing. - [Fate, Stars, or Science? Understanding Ourselves Beyond the Horoscope](https://planforpurpose.com/430-2/): Why do some people live by their horoscope while others trust in science and psychology to explain who they are? - [Is the Education System Future-Proofing the Next Generation in the Age of AI?](https://planforpurpose.com/is-the-education-system-future-proofing-the-next-generation-in-the-age-of-ai/): As artificial intelligence reshapes the workplace and the world, a pressing question arises: Is our education system truly preparing the next generation to thrive in this future? - [From Success to Significance: Why Accomplished People Are Letting Go of Luxury](https://planforpurpose.com/from-success-to-significance-why-accomplished-people-are-letting-go-of-luxury/): What do Arnold Schwarzenegger, Howard Schultz, and Mackenzie Scott have in common? They traded prestige for purpose and found something far richer. - [How Life Insurers Stay Resilient: What Covid-19 Taught the Industry About Solvency and Preparedness](https://planforpurpose.com/how-life-insurers-stay-resilient-what-covid-19-taught-the-industry-about-solvency-and-preparedness/): The COVID-19 pandemic was a wake-up call for many industries, but perhaps none more so than life insurance. - [Sometimes Trust Becomes a Trap: Why Financial Scams Still Thrive in a Regulated World](https://planforpurpose.com/sometimes-trust-becomes-a-trap-why-financial-scams-still-thrive-in-a-regulated-world/): Over the past three and a half decades, I’ve watched a troubling pattern repeat itself: individuals, especially those in their later years, falling victim to financial scams that strip them of their savings, dignity, and peace of mind. - [When Success Isn’t Enough: The Real Difference Between Achievement and Fulfillment”](https://planforpurpose.com/when-success-isnt-enough-the-real-difference-between-achievement-and-fulfillment/): We live in a results-driven world. Goals. Metrics. Milestones. - [From Resignation to Redirection: What the Great Resignation Taught Us About Work, Freedom, and the Future](https://planforpurpose.com/from-resignation-to-redirection-what-the-great-resignation-taught-us-about-work-freedom-and-the-future/): In the wake of the COVID-19 pandemic, the global workforce underwent a dramatic and unexpected shift. - [Philanthropy Through Permanent Life Insurance: A Legacy That Outlives You](https://planforpurpose.com/philanthropy-through-permanent-life-insurance-a-legacy-that-outlives-you/): When most people think about life insurance, the conversation is centered around family protection, ensuring a spouse, children, or aging parents are financially secure when we pass. - [When the Nest Empties and the Desk Clears: Navigating the Emotional Crossroads of Parenting and Retirement](https://planforpurpose.com/when-the-nest-empties-and-the-desk-clears-navigating-the-emotional-crossroads-of-parenting-and-retirement/): Life is full of transitions, but some are quieter than others. They don’t come with big celebrations or grand farewells. - [Shining a Light on Lewis Howard Latimer: The Forgotten Pioneer of Electric Illumination](https://planforpurpose.com/shining-a-light-on-lewis-howard-latimer-the-forgotten-pioneer-of-electric-illumination/): When we think about the invention of the light bulb, the name Thomas Edison almost always takes center stage. - [The Black Tax: A Hidden Burden with Deep Roots and Lasting Impact](https://planforpurpose.com/the-black-tax-a-hidden-burden-with-deep-roots-and-lasting-impact/): The term “Black Tax” captures a powerful truth within many Black families and communities: the often-unspoken expectation for financially successful individuals to support not only themselves but also their extended family. - [The Power of Expectation: Pygmalion vs. Golem effect in Leadership](https://planforpurpose.com/the-power-of-expectation-pygmalion-vs-golem-effect-in-leadership/): In every industry, whether it’s finance, healthcare, education, or technology, performance isn’t driven by skill alone. - [Life Insurance That supports you while you Live: Embracing Critical Illness Benefits](https://planforpurpose.com/life-insurance-that-supports-you-while-you-live-embracing-critical-illness-benefits/): When you think of life insurance, the image that most springs to mind is a benefit that only comes into play when a loved one is left behind. - [When the Mortgage Outlives the Marriage Part 2 - Closing the Knowledge Gap on Life Insurance and Family Protection](https://planforpurpose.com/when-the-mortgage-outlives-the-marriage-part-2-closing-the-knowledge-gap-on-life-insurance-and-family-protection/): These stories are becoming tragically familiar in the U.S., a recurring decimal of loss and vulnerability. - [When You Change the Way, You Look at Things, the Things You Look at Change](https://planforpurpose.com/when-you-change-the-way-you-look-at-things-the-things-you-look-at-change/): This quote hits differently depending on where you are in life. - ["When the Tide Goes Out": What Warren Buffett Taught Us About Life Insurance and Retirement Planning](https://planforpurpose.com/when-the-tide-goes-out-what-warren-buffett-taught-us-about-life-insurance-and-retirement-planning/): Warren Buffett once said, “Only when the tide goes out do you discover who’s been swimming naked.” At first glance, it’s a humorous turn of phrase. - [Can a Robot Really Do My Job? The Future of Work, Life Insurance, and Pension Planning](https://planforpurpose.com/can-a-robot-really-do-my-job-the-future-of-work-life-insurance-and-pension-planning/): Artificial intelligence isn’t coming, it’s already here. - [Facing the Future: Planning for a Sustainable and Purpose-Filled Retirement](https://planforpurpose.com/facing-the-future-planning-for-a-sustainable-and-purpose-filled-retirement/): Recently, a company I’ve long admired took a bold and compassionate step. - [Are You Chasing the Sunset While Walking East?](https://planforpurpose.com/are-you-chasing-the-sunset-while-walking-east/): You say you want to watch the sunset, but you’re heading east. No matter how determined you are, you won’t see it. Why? - [When the Mortgage Outlives the Marriage -Part 1](https://planforpurpose.com/when-the-mortgage-outlives-the-marriage/): Too many surviving spouses face the unthinkable: not only grieving the loss of a loved one, but also being forced to sell the family home because they can no longer afford the mortgage. - [The Three Pillars of a Fulfilled Life](https://planforpurpose.com/the-three-pillars-of-a-fulfilled-life/): As I prepare to launch PlanforPurpose.com, I’m reminded of these simple yet profound words from the great German philosopher, Immanuel Kant. - [Is Kant's Categorical Imperative Too Idealistic for Today's Complex World](https://planforpurpose.com/is-kants-categorical-imperative-too-idealistic-for-todays-complex-world/): In a time when ethical decisions are rarely black and white, can a rigid 18th-century moral philosophy still guide us? - [From Bismarck to the Future: Why Life Insurance Still Matters in Retirement Planning](https://planforpurpose.com/from-bismarck-to-the-future-why-life-insurance-still-matters-in-retirement-planning/): In 1889, German Chancellor Otto von Bismarck introduced the world’s first government-sponsored old age pension system, a groundbreaking move that laid the foundation for modern social security programs. - [How Much Life Insurance Do You Really Need? (Hint: Probably More Than You Think)](https://planforpurpose.com/how-much-life-insurance-do-you-really-need-hint-probably-more-than-you-think/): When people first consider buying life insurance, the most common question is, “How much coverage do I need?” It’s a good question, but the answer often surprises people. - [The Unseen Value of Life Insurance for Stay-at-Home Parents](https://planforpurpose.com/the-unseen-value-of-life-insurance-for-stay-at-home-parents/): When we think about life insurance, we often focus on the income earner. After all, replacing a lost paycheque makes financial sense. - [Why Life Insurance Is a Tax-Free Way to Leave a Family Inheritance](https://planforpurpose.com/238-2/): As financial advisors, we often guide clients through complex decisions about how to build wealth, preserve it, and ultimately pass it on. - [Life Insurance: It’s Time to Clear the Fog.](https://planforpurpose.com/life-insurance-its-time-to-clear-the-fog/): Life Insurance often feels mysterious, complex, intimidating and something people put off. - [A Smarter Way to fund college Without the Student Debt Trap](https://planforpurpose.com/a-smarter-way-to-fund-college-without-the-student-debt-trap/): Student loan debt has become a national crisis in the United States. - [Go Upstream: Why Life Insurance Is the Help We Need Before the Tragedy](https://planforpurpose.com/go-upstream-why-life-insurance-is-the-help-we-need-before-the-tragedy/): “There comes a point where we need to just stop pulling people out of the river. - [Why Is It That Such a High Percentage of Our Population Die Without Life Insurance: Ignorance, Arrogance, or Inability?](https://planforpurpose.com/why-is-it-that-such-a-high-percentage-of-our-population-die-without-life-insurance-ignorance-arrogance-or-inability/): Each year, nearly 48% of Americans die without life insurance, and another 21% die underinsured, leaving loved ones exposed to financial hardship. - [The Value of a Buy-Sell Agreement in a Business Partnership](https://planforpurpose.com/the-value-of-a-buy-sell-agreement-in-a-business-partnership/): A buy-sell agreement is one of the most critical tools in protecting a business partnership. ## Pages - [Shop Books](https://planforpurpose.com/shop-books/): Life insurance is often reduced to a single moment. 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