From Entrepreneur to Author to Global Publisher and International Business Life Coach

Entrepreneur, Author, Global Publisher, Business Life Coach and self-made multi-millionaire and Father of 7 wonderful children, Darren Stephens quotes:

“Trust Your Intuition – It Guides and Protects Your Soul”

From entrepreneur to global publisher…

So how did he devise this unique publishing model?

Well, the short answer to that is he has a long and varied entrepreneurial history that he was able to draw on.

Darren is a true entrepreneur with years of experience and results to prove it. He is self-made multi-millionaire and is a seasoned business executive entrepreneur, growth strategist, speaker, business life coach and an international best selling author.

Darren was the founder and International chairman of Mars Venus Coaching, one of the worlds most respected and leading brands.

He is also International Franchise Director of the worlds No 1 eBay education company Bidding Buzz Global Limited with offices in 11 countries including Australia, Italy France, Singapore, Hong Kong, UK and North America.

He’s recognized as an expert in the fields of Business Development, Sales & Marketing, Executive Mentoring, Franchising, International Publishing, Self-Development & Accelerated Psychological Transformation.

For more than 20 years, Darren has traveled, speaking to and motivating thousands of people in over 27 countries on how to create business, personal and financial success.

He lives in Melbourne, Australia with his wife Jackie and their 7 children.

So you could say he is a Life Master for business and the publishing industry. And somehow his wife Jackie and himself was able to juggle all this while raising sevens kids. (No, this is not a misprint. They really have seven kids)

But during his long and varied business career, he noticed that a lot of first-time authors make big mistakes that often see them stuck with shed full of books they can’t even give away. In his book Our Internet Secrets, he will show you how to avoid them.

But first…

Here are Darren’s top 5 things becoming an entrepreneur, business life coach, publisher author can achieve for you

1. Make you an instant expert
2. Open up a string of joint venture and equity opportunities
3. Provides a great revenue source
4. You can use your book as a traffic-driving tool
5. Build an email list quickly.

The explanations to Darren’s top 5 things becoming a publisher author can achieve for you can be found in his book Our Internet Secrets.

Darren has recently been working with Life Master Jay McLean founder of Life Master Now. Life Master Now offers you quality business life coaching, with an abundance of powerful ideas providing easy-to-understand and easy-to-apply strategies that you can use immediately to increase your net business profit, your wealth, your success and your happiness.

With the success business life coaching strategies being revealed to you, you will begin to influence others more effectively and enhance your personal relationships. You will also improve your health and well being, eliminate fears and blockages that stop you from reaching your fullest potential and really experience more joy, fulfillment and massive success every day of your life.

Now, please enjoy and stay tuned for more! Thanks again Darren for this unbelievable opportunity to interview you and share many entrepreneurial ideas with you. It really was a blessing!

NOW, Make The Change And Excite Your Life!

Small Business Life Insurance Needs

Have You Given Any Thought To Small Business Life Insurance?

What Type Of Business Do You Own?

Is your business a Sole Proprietorship?

Are you part of a business Partnership?

Is your business an S Corporation?

What about a C Corporation? Is this how you incorporated?

Have you taken advantage of the new Limited Liability Company laws?

How about Key Employees? Do you have any employees that you can categorize them as Key Employees?

Small business life insurance as it applies to each type of business is different in many ways but there are also many similar features as well. What we are discussing here is not group life insurance but more specifically life insurance as it applies to the owners of each business and life insurance for the key employees. Let us take a look at each type of business and how life insurance could go a long way in protecting the business itself as well as the heirs of a deceased business owner.

The Sole Proprietorship.

Because the owner of a sole proprietorship and the business itself is considered one and the same one may think that the need for small business life insurance is limited. Nothing could be further from the truth. We put in a lot of time and effort building a business that has to be dissolved at our death. We do want to have this business transferred to a member of the family when we die. How can this be done?

The estate of the sole proprietor can sell the assets of the business upon his or her death. A small business life insurance policy can be bought during the lifetime of the owner the proceeds of which would be used to buy the business. A buy sell agreement, which would be binding, would determine the terms and the amount to be paid for the business.

Let us assume the proprietor is married and has a son or daughter who is interested in taking over the business upon his death. This young person has spent a lot of time learning the intricacies of operating the business from his or her father. So dad decides he wants to transfer this business to this child upon his death. He has a buy sell agreement drawn up by an attorney that would fulfill his desires. This agreement is funded buy a small business life insurance policy specially bought for that purpose.

The proprietors wife is not particularly interested in the business but if the business owner dies before her she will still need income. The proprietor dies. The proceeds of the small business life insurance policy is used to purchase the business from the estate and the wife has full value in cash. She can use this money to purchase an annuity that would pay her an income for a certain number of years or for a lifetime. Of course this decision will depend on the amount of money we are talking about here.

The Partnership.

The use of small business life insurance in a partnership is very simple and straightforward. The ownership of this partnership is in the hands of three partners. For the sake of easy explanation let us assume that that these partners own equal shares. A buy sell agreement would be set up that would state that the partnership would buy the shares of a deceased partner from his heirs. The buy sell agreement would be binding. The heirs cannot decide they don’t want to sell. The partnership would buy a small business life insurance policy on the lives of each of the partners in the amount of the value of their shares. The proceeds would be used to fund the purchase. In some cases the policies can be owned by the partners themselves. The results are the same.

The Corporations.

Small business life insurance for c corporations, s corporations are limited liability companies is very similar to that of the partnership. The corporation usually owns the policies on the lives of the principals. Upon the death of a stockholder the corporation buys the stock from the heirs of the deceased. A small business life insurance policy is the least expensive way to fund the buy sell agreement. It is recommended that the insurance is updated on a regular basis and that the buy sell agreement is reviewed and updated from time to time…as it is binding.

Key Employee Life Insurance.

What state would your business be in if a key employee died? Have you given this any thought? In my 40 years in the life insurance business I have seen many interesting situations. Some businesses had no key employee life insurance on their valuable employees…much to their detriment. Others were prepared and things continued on smoothly after the death of the key employee. It is recommended that if a business has a very valuable key employee that they buy a small business life insurance policy on the life of that employee equal to about 5 years of that employees income. Upon his or her beath the proceeds of the policy is paid to the business and used to help keep the business going while the company finds a capable replacement.

For more detail on Business Life Insurance go to: http://www.lifeinsurancehub.net

Getting the Best Price For Your Small Business Life Insurance Policy

Being a small business owner means you have to learn about so many things. A real pain is finding a good small business life insurance policy. It feels, as a small business, that they try and rake you over the coals. When you are only one or two employees they can be even more difficult. The prices are astronomical. The process is like jumping through hoops just to have someone watch and laugh at you. It doesn’t have to be that way. Here are a few things that might help.

Why Bother with Small Business Life Insurance?

Right now, there’s the question of whether or not you should even offer insurance, right? Yet, as a business owner you want to do right by your employees. Often, having a good insurance policy would allow you to give your employees something that makes them happy. Honestly, if done right it does not have to be horribly expensive.

How to Buy a Small Business Life Insurance

Your best bet in buying small business life insurance is to contact a broker or a number of brokers that will walk you through the process. You have enough going on in your business to keep you busy day in and day out. There is no need for you to become an insurance expert. Let the experts be the expert. Talk to 3 to 5 companies at a minimum. Make sure you like the people you’re talking to. If you don’t, get rid of them. This is business, not pleasure. So, make sure that the people you like know their business.

What to Look for in a Broker?

When talking to an insurance broker, you want to make sure they can handle small business life policies. Just because they can sell personal life insurance does not mean they can help you. Ask that question up front in the very beginning. It will save all of you a lot of time. Also, ask them how many small business life insurance policies they have handled. If the number is small, then consider whether or not you want to be there training case.

The Rating of the Company

Ultimately, when you choose a company you need to consider their rating. The bigger your company is, the more likely it is that your insurance policy will be necessary. I realize that is morbid, but it is life. You want to make sure that the life insurance company will be there when you need them. A superior rating is wonderful. I would be wary of anything at fair or below. But that’s just me.