In this episode, Ralph sits down with longtime friend and insurance strategist Mark Halpern, founder of IllnessProtection.com and WealthInsurance.com.

Mark shares how his father’s untimely death shaped his mission to make critical illness insurance and philanthropic estate planning a household conversation. From stark differences between Canadian and U.S. insurance markets, to overlooked strategies like return-of-premium riders and tax-neutral giving, this episode breaks it all down.

You’ll hear real stories, like the donor who guaranteed $50K/year to his favorite charity—forever. Plus, how both Ralph and Mark have used personal tragedies to fuel purpose-driven work in legacy planning.

🎯 If you’re a financial advisor, a business owner, or just someone who wants to leave more behind for family and causes you care about—this one’s for you.

Schedule a FREE consultation with Ralph: bit.ly/3LpYc3U

🔗 Learn more at: fixmybenefitsnow.com