Happy Halloween! The scariest time of the year is upon us... no I'm not talking about Halloween, I am talking about the end of the year that is quickly approaching. Have you hit your goals for the year? What can you be doing better to end 2021 on a high note? You can help me avoid a heart attack at years end by sending me your Long-Term Disability referrals - those people who have been denied their benefits by monsters like Unum, Cigna, or The Hartford. We are also expanding into Long-Term Care Insurance Denials, going up against the monster known as Mutual of Omaha. Please email me at marc@marcwhitehead.com with a referral. You could even get a scarily large referral fee once we successfully win the claim.