Episode 87 - Impending Increase in Life Insurance Premiums with Tom Hall, CLU, ChFC - TOPICS COVERED: Introduction of Special Guest –Tom Hall, CLU, ChFC; Lock in Tax-free Rates of Return Before Year End; Understanding Life Insurance with Long-Term Care Rider; Understanding Whole Life Insurance; Young Families Should Have Adequate Insurance Coverage; Significant Increase Premiums for Guaranteed Universal Life Policies; Am I Insurable?; Consider Utilizing the Annuity in a Different Fashion