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Dead Peasant Insurance? The Shocking Way Companies Can Profit from Your Death

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When you think of life insurance, you imagine protecting your loved ones. But what if your employer—not your spouse, children, or family—was the one cashing in on your death?

This isn’t fiction. It’s reality, and it has a name: Key Employee Life Insurance or, more disturbingly, “dead peasant insurance.”

What Happens to Your Life Insurance If You Leave a Job? The Secret No One Tells You

Here’s the unsettling truth: when a company purchases a life insurance policy on you, they own it. That means they pay the premiums, control the policy, and name themselves as the beneficiary. If you leave the company, the policy can still remain in force. Years later, if you die while working somewhere else, your old employer—not your grieving family—collects the death benefit.

For families, this can feel like a betrayal. For corporations, it’s just another strategy to manage “risk” and increase profits.

Key Employee Insurance: How Companies Keep Collecting Even After You’ve Moved On

This practice falls under Corporate-Owned Life Insurance (COLI). Originally, it was marketed as a way for companies to protect themselves financially if a top executive—like a CEO or VP—died unexpectedly. It made sense when policies were limited to true “key people.”

But by the late 1980s and 1990s, corporations began extending these policies to rank-and-file employees, many of whom had no idea their lives were insured for the benefit of their employer. Critics argue this turned human beings into financial instruments.

A Brief History: When Did “Dead Peasant Insurance” Begin?

  • 1980s–1990s Expansion: Companies discovered tax advantages in holding massive amounts of COLI. Some policies were even written on thousands of low-level workers.
  • Walmart Scandal (1990s–2000s): Walmart bought life insurance on cashiers, janitors, and clerks—employees who were anything but “key.” When they passed away, Walmart collected millions in benefits while families received nothing. Public outrage led to lawsuits, but the practice remained legal in many states.
  • Banking Industry Boom (2000s–Today): Major banks like JPMorgan Chase, Wells Fargo, and Bank of America now hold more than $100 billion in COLI policies, treating them as investment tools.

The story of COLI is less about protecting companies and more about exploiting loopholes for profit.

From Walmart to Wall Street: How Big Business Cashes In

  • Walmart: Sued after employees’ families discovered the company had quietly profited from their deaths.
  • Dow Chemical & Procter & Gamble: Both exposed for holding large COLI portfolios.
  • Banks: Some of the largest holders of COLI in history. In fact, for many banks, employee death benefits are listed as part of their investment strategies.

Are You Worth More Dead Than Alive to Your Employer?

It’s an uncomfortable question, but for some companies, the answer may be “yes.” If you leave a job, you may assume your connection with that employer is severed. But in the world of COLI, your body remains tied to their balance sheet.

For corporations, your death may be a payday. For your family, it’s a tragedy without financial relief.

Why Does This Happen?

  1. Tax Advantages: Death benefits are tax-free.
  2. Corporate Asset Growth: Companies can borrow against policies or treat them as investment vehicles.
  3. Lack of Transparency: Employees often never know policies exist in the first place.

The result is a controversial but perfectly legal practice that blurs the line between risk management and exploitation.

Notable Companies Known for COLI Practices

  • Walmart
    Infamously, Walmart purchased life insurance policies on rank-and-file employees without their knowledge. In one case, the company collected benefits when 132 Florida employees passed away under such a program. Walmart discontinued the practice around 2000 Wikipedia+9WFSU News+9Bankrate+9.
  • Procter & Gamble (P&G)
    Held policies covering approximately 15,000 employees as part of their COLI portfolio The Wall Street Journal.
  • Nestlé USA
    Maintained policies on about 18,000 employees Investopedia+15The Wall Street Journal+15Recruiter.com+15.
  • Pitney Bowes Inc.
    Insured roughly 23,000 employees under COLI arrangements WFSU News+12The Wall Street Journal+12Investopedia+12.
  • Winn-Dixie
    One of the earliest and most notable cases from the 1980s: they insured around 36,000 employees without their knowledge, coining internal references to “dead peasant insurance” Policygenius+10Recruiter.com+10quickquote.com+10.
  • Banks & Financial Institutions
    Major players like JPMorgan Chase, Bank of America, and Wells Fargo hold collective COLI portfolios exceeding $100 billion, treating these life-insurance holdings partly as investment tools Investopedia+2CB Acker Associates+2.
  • Hershey’s
    Cited on forums like Reddit in discussions of companies using COLI policies—though direct media citations are sparse Reddit.

Additional Mentions via Commentary

A Reddit post in r/todayilearned notes that companies such as Walmart, P&G, and Hershey’s have utilized COLI, although the latter’s practices remain less publicly documented Reddit.

Summary Table

CompanyApprox. Employees Insured / Notes
WalmartRank-and-file employees; practice ceased around 2000
Procter & Gamble~15,000 employees
Nestlé USA~18,000 employees
Pitney Bowes~23,000 employees
Winn-Dixie~36,000 employees (1980s)
Major BanksCollective COLI holdings > $100 billion
Hershey’sMentioned in commentary forums

Why This Matters

These examples highlight how corporations have historically used COLI not just for high-level executives, but also on lower-paid staff, often without consent or awareness—prompting both public backlash and regulatory scrutiny.

Dead Peasant Insurance: What Actually Changed?

Walmart: lawsuits + public blowback

  • What happened: Through the 1990s, Walmart bought corporate-owned life insurance (COLI) on tens of thousands of rank-and-file workers (not just executives). Families later learned the company could collect when former employees died and sued across several states. The Wall Street JournalMidland Reporter-TelegramCFO
  • Outcomes: Walmart discontinued the broad program and paid multimillion-dollar settlements (e.g., a $5.1M class action in Oklahoma). Courts and coverage highlighted standing issues for families and fueled legislative scrutiny. CFOLaw360WFSU News
  • Why it mattered: The cases moved “dead peasant insurance” into the spotlight, helping catalyze reforms that later required notice & consent and IRS reporting for employer-owned life insurance. The Florida BarIRSGovernment Accountability Office

Winn-Dixie: IRS wins the “tax shelter” fight

  • What happened: Winn-Dixie insured roughly 36,000 employees, borrowed against the policies, and deducted the loan interest. The IRS disallowed the deductions as a sham tax-arbitrage play. The Tax Court and 11th Circuit agreed. QuimbeeCaseLaw
  • What changed: The government’s win (and similar cases) slammed the door on leveraged COLI interest-deduction schemes, shaping later statutory guardrails. Justice DepartmentSenate Finance Committee

Dow Chemical (and peers): the “economic substance” line

  • What happened: Dow bought COLI on thousands of employees and deducted interest/fees tied to policy loans. After mixed early results, the Sixth Circuit held Dow’s COLI transactions lacked economic substance, siding with the IRS. Similar outcomes hit American Electric Power and others. Justia Law+1Justice Departmentappalachianpower.com
  • Why it mattered: These rulings cemented a judicial consensus: tax benefits built on circular policy-loan strategies wouldn’t fly, even before Congress rewired the rules. IRS

Wall Street (BOLI): regulators step in

  • Context: Banks keep very large bank-owned life insurance (BOLI) portfolios (aggregate tens of billions) as long-term assets. Regulators didn’t ban BOLI, but tightened risk-management expectations.
  • Regulatory response: In 2004, the OCC, Fed, FDIC, and OTS issued an Interagency Statement directing banks to treat BOLI like any other material risk (capital, liquidity, concentration, carrier risk, insurable-interest law, etc.). OCC.govOCC.govFDIC

The Big Legal/Policy Shifts (What’s different today?)

  1. Notice & Consent now mandatory (post-2006).
    The Pension Protection Act of 2006 added IRC §101(j): to exclude death benefits from income, employers generally must obtain written notice and consent before issuance and the insured must be an employee at issuance (plus meet specific exceptions). Annual reporting via Form 8925 under §6039I also applies. IRSGovernment Accountability Office
  2. “Economic substance” doctrine applied to COLI tax plays.
    Courts repeatedly rejected interest-deduction schemes on COLI loans (Winn-Dixie, AEP, Dow), curbing the 1990s tax-arbitrage model. CaseLawJustia Law+1
  3. Regulators codified bank risk expectations.
    The OCC/FDIC/Fed guidance (2004) set explicit supervisory expectations for BOLI purchase, monitoring, and concentration risk. OCC.govFDIC
  4. Still legal to keep policies after you leave (if state law allows).
    GAO testimony notes that, unless state law restricts it, employers can retain business-owned policies even after employment ends—one reason the practice remains controversial despite reforms. Government Accountability Office

Ethics: why people still bristle

  • Moral hazard & optics. Even with notice/consent, the idea that a past employer can profit from a former worker’s death rubs many the wrong way. Policymakers worried about incentives and transparency, and law journals have urged Congress to go further. UC Law SF Scholarship Repositoryhastingslawjournal.org
  • Data gaps. GAO highlighted that comprehensive data on prevalence/uses are limited, complicating oversight and informed debate. Government Accountability Office

Handy Timeline

  • Late 1980s–1990s: Broad COLI programs proliferate; some states loosen “insurable interest” rules; companies extend coverage to rank-and-file. The Florida Bar
  • 1999–2006: IRS and courts dismantle tax-arbitrage COLI (Winn-Dixie, AEP, Dow, others). CaseLawJustia Law+1
  • 2004: Interagency BOLI risk-management guidance for banks. OCC.gov
  • 2006: PPA adds §101(j) and §6039I, formalizing notice/consent and reporting for employer-owned policies. IRSGovernment Accountability Office

Sources & Further Reading

  • IRS Notice 2009-48 (guidance on §101(j) employer-owned life insurance). IRS
  • GAO testimony & report on business-owned life insurance (prevalence and oversight). Government Accountability Office+1
  • OCC Bulletin 2004-56 & attachment: Interagency Statement on BOLI risk management. OCC.govOCC.gov
  • Winn-Dixie Stores v. Commissioner (11th Cir.): interest deductions denied as lacking economic substance. CaseLaw
  • Dow Chemical v. United States (6th Cir.) and related filings: economic-substance rejection of COLI tax shelter. Justia LawJustice Department
  • American Electric Power v. United States (district court ruling against AEP; company release). Justia Lawappalachianpower.com
  • Walmart litigation/settlements (news and legal coverage). CFOLaw360WFSU News
  • Florida Bar Journal overview of EOLI abuses & insurable-interest shifts. The Florida Bar
  • Investopedia explainer (plain-English summary of today’s COLI limits).

References

  • Crenshaw, Albert B. “How Corporations Profit When Employees Die.” Washington Post, 2002.
  • U.S. Government Accountability Office (GAO) reports on Corporate-Owned Life Insurance (COLI).
  • Wall Street Journal, “Dead Peasant Insurance Lawsuits Against Walmart.”
  • National Association of Insurance Commissioners (NAIC) guidelines on COLI.

About the Author

A.L. Childers is an author, journalist, and researcher who digs into the uncomfortable truths corporations and governments would rather keep quiet. Known for exposing hidden systems and overlooked stories, Childers writes to empower readers with knowledge that sparks change.

Disclaimer

This article is for educational and informational purposes only. It does not constitute financial, legal, or insurance advice. Readers should consult qualified professionals before making decisions regarding life insurance policies or corporate practices.

“Did you know your old employer could profit from your death years after you leave? Learn the truth about Key Employee Life Insurance — also called ‘dead peasant insurance’ — and how corporations like Walmart and major banks have made billions from employee death benefits. Discover the hidden policies, real-world examples, and why this practice sparks outrage.”

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Did You Know Your Old Employer Could Profit from Your Death Years After You Leave?

Most people assume life insurance exists to protect their families. But what if your employer—not your loved ones—was the one who benefitted when you die, even years after you’ve moved on to another job? Welcome to the unsettling world of Key Employee Life Insurance, often called “dead peasant insurance.”

What Is Key Employee Life Insurance?

Key Employee Life Insurance (or Corporate-Owned Life Insurance, COLI) is a policy that a company purchases on employees it considers valuable. The company pays the premiums, owns the policy, and is the sole beneficiary.

Here’s the twist: if you leave that company, the policy can remain in force unless the employer chooses to cancel it. That means your former company could one day profit from your death—even if you’re working elsewhere, living your life, and contributing nothing to their bottom line anymore.

Why Do Companies Do This?

  1. Financial Protection – They claim it cushions losses if a key employee dies unexpectedly.
  2. Tax Benefits – Death benefits are typically tax-free, making COLI a financial strategy.
  3. Corporate Assets – Companies can use policies as collateral or borrow against them.

But critics argue that this transforms human lives into financial instruments, raising ethical red flags.

Real-World Examples: Companies That Profited

  • Walmart: In the 1990s and early 2000s, Walmart bought life insurance policies on thousands of low-level employees—cashiers, clerks, and stockers—without their knowledge. Families received nothing, while Walmart reaped millions in death payouts. Lawsuits brought national attention to the issue.
  • Big Banks: JPMorgan Chase, Bank of America, and Wells Fargo collectively hold over $100 billion in COLI policies. These banks treat policies as investment assets, benefiting when former employees pass away.
  • Dow Chemical & Procter & Gamble: Both were exposed in the 1990s for maintaining massive COLI portfolios, profiting from employees long gone from the company.

The Human Side of “Dead Peasant Insurance”

Imagine leaving a job after ten years, building a new career elsewhere, and unexpectedly passing away. While your family struggles with loss, your former employer cashes a multi-million-dollar check. They might not have paid you in years, but your death still enriches them.

That’s why critics call it “dead peasant insurance”—a stark reminder of how corporations can value employees more as numbers than as people.

Why This Sparks Outrage

  • Lack of Transparency: Many employees never know policies exist.
  • Ethical Questions: Should a company profit from someone who no longer works there?
  • Family Impact: Families often receive nothing, even though they bear the real loss.

While legal in many states, these practices leave a bitter taste for those who believe life insurance should protect loved ones, not pad corporate profits.

References

  • Crenshaw, Albert B. “How Corporations Profit When Employees Die.” Washington Post, 2002.
  • U.S. Government Accountability Office (GAO): Reports on Corporate-Owned Life Insurance.
  • Wall Street Journal coverage of Walmart lawsuits on employee life insurance.
  • National Association of Insurance Commissioners (NAIC) on COLI practices.

About the Author

A.L. Childers is an author and researcher uncovering the hidden truths behind corporate practices, government policies, and societal systems. With a commitment to shining light on what’s kept in the dark, Childers writes to inform, challenge, and empower readers.

Disclaimer

This blog is for educational and informational purposes only. It does not provide financial, legal, or insurance advice. Readers should consult licensed professionals before making any decisions regarding life insurance or corporate practices.

Dead or Alive: How Companies Profit from Key Employee Life Insurance Policies

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When you accept a new position at a company, the last thing on your mind is what happens if you die. Yet, for many corporations, your death could be worth more to them than your life. Enter Key Employee Life Insurance (often called “dead peasant insurance”).

This type of policy allows a company to purchase life insurance on its employees—especially executives or those deemed “key” to operations. The company owns the policy, pays the premiums, and is the beneficiary. The kicker? Even if you leave for another job years later, unless the policy is canceled, the old company may still cash in when you pass away.

How Long Can They Keep It?

If a company takes out a Key Employee Life Insurance policy on you, they may legally continue to own and benefit from it long after you’ve left the job, unless they choose to surrender or transfer it. This means if you move to Company Y and tragically pass away, Company X still collects the payout, not your family, your estate, or your new employer.

This arrangement is perfectly legal in many states under corporate-owned life insurance (COLI) laws, though it has sparked controversy for decades.

Real-World Examples of Profiting from Employee Death

  • Walmart (1990s–2000s): Walmart notoriously purchased life insurance policies on thousands of rank-and-file employees without their knowledge. The company reaped millions in death benefits, while grieving families received nothing. Lawsuits later revealed Walmart was just one of many large corporations engaging in the practice.
  • Banks and Financial Institutions: JPMorgan Chase, Wells Fargo, and Bank of America collectively held billions in corporate-owned life insurance policies, often described as a “tax shelter with a death benefit.” Reports suggest major U.S. banks maintain upwards of $100 billion in COLI coverage.
  • Dow Chemical and Procter & Gamble: These companies were also revealed to have invested heavily in COLI, often benefiting from the deaths of employees who had long since moved on.

Why Do Companies Do This?

  1. Financial Cushion: The payout helps offset the loss of a key employee, covering recruitment, training, or profit loss.
  2. Tax Advantages: Death benefits are usually tax-free, making COLI a lucrative corporate asset.
  3. Investment Strategy: Some corporations use COLI as a long-term investment, borrowing against it for capital while waiting for the eventual payout.

The Ethical Debate

Critics argue this practice commodifies human life, reducing employees to mere financial instruments. Families often remain unaware that a past employer profits from their loved one’s death. Supporters, on the other hand, insist it’s a legitimate business practice to safeguard corporate stability.

References

  • Barmash, Isadore. “The Corporate Life Insurance Scandal.” The New York Times, 1990s.
  • Crenshaw, Albert B. “How Corporations Profit When Employees Die.” Washington Post, 2002.
  • U.S. Government Accountability Office (GAO): Reports on Corporate-Owned Life Insurance.
  • Wall Street Journal coverage on Walmart’s “dead peasant insurance” lawsuits.

About the Author

A.L. Childers is an author and researcher who explores the hidden truths behind corporate practices, government policies, and the forces that shape our lives. With a sharp eye for uncovering what others overlook, Childers writes to inform, inspire, and ignite change.

Disclaimer

This blog is for educational and informational purposes only. It is not intended as financial, legal, or insurance advice. Readers should consult qualified professionals before making any decisions regarding life insurance or corporate policies.

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7 Millionaire Habits That Quietly Build Wealth (While Everyone Else Is Still Broke)”**

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By A.L. Childers | Author of Silent Chains & Roots to Health

Being rich isn’t about flexing in a Lamborghini or flashing your latest iPhone. It’s not the six-car garage or the thousand-dollar purse.

It’s about having habits—quiet, consistent, often boring ones—that build wealth in the background while the rest of the world is drowning in Amazon packages and credit card interest.

I didn’t learn this from a trust fund. I learned it the hard way—through life, loss, rebuilding, and eventually studying what the wealthy actually do. And spoiler alert: None of it requires a finance degree or a windfall. Just discipline, consistency, and the ability to delay gratification when everyone else is chasing instant dopamine.

Let’s break it down.

💸 1. Pay Yourself First

Before the bills, the brunch, and the BOGO sale—millionaires save first.

They automate their savings like it’s a non-negotiable bill. Whether it’s 10%, 20%, or even $100 a month, they treat investing like brushing their teeth: routine, not optional.

🧠 Source: Kiplinger reports this is one of the most common millionaire habits.

🚙 2. Live Way Below Their Means

Warren Buffett still lives in the house he bought in 1958 and drives a used Cadillac. Meanwhile, most Americans are financing a lifestyle to impress people they don’t even like.

💡 The wealthy? They don’t care how “rich” they look. They care how free they are.

🧠 Study: Dave Ramsey’s National Study of Millionaires found that 94% live on less than they make. Most drove Toyotas. Only 8% drove luxury cars.

📈 3. Invest Early and Automatically

They don’t wait to feel ready. They start with what they have. Then they let time do the heavy lifting.

Tom Corley found that the largest group of self-made millionaires took an average of 32 years to reach that status—not from lottery wins, but monthly deposits.

It’s boring. It’s reliable. And it works.

💼 4. Build Multiple Streams of Income

Millionaires don’t panic when one job disappears—they pivot. Why? Because they never relied on just one income source to begin with.

🧠 Stat: 65% of self-made millionaires had three or more income streams—rental income, side businesses, dividends, consulting gigs.

Multiple streams don’t just add money—they lower risk.

📚 5. Read More Than They Scroll

While most people are stuck in TikTok loops, millionaires are reading biographies, business books, and financial strategy.

Warren Buffett spends up to 80% of his day reading.

🧠 Lesson? Ongoing education = ongoing opportunity.

Stop consuming drama. Start consuming information.

🧘🏽‍♀️ 6. Ruthless Self-Control

The wealthiest people are masters at telling themselves “not yet.”

The 1970s Stanford Marshmallow Experiment showed that kids who could delay gratification ended up with higher SATs, better health, and more stable lives. Self-made millionaires follow this same pattern.

They’re consistent, long-term thinkers. And when it comes to finances? They’re allergic to debt, drama, and distractions.

🧠 Fact: Most of the 10,000 millionaires in Ramsey’s study avoided car loans and credit card debt altogether.

🛡️ 7. They Protect What They’ve Built

Being rich isn’t just about making money—it’s about keeping it.

They plan for emergencies, lawsuits, health issues, and taxes before they happen. They have trusts, insurance, emergency funds, and legal protections.

Because one bad day shouldn’t destroy a decade of discipline.

🧠 Kiplinger notes this is one of the most overlooked wealth habits of the rich.

✨ Final Thought

These 7 habits won’t get you rich overnight. But they will get you rich over time.

They are quiet. They are boring. And they are exactly what separates the rich from the restless.

So the question is not “Do they work?”
The real question is: “Are you willing to work them?”

💡 Why I Wrote This Blog

I’m A.L. Childers, and I’ve studied the power of transformation—from the inside out.

I’ve gone from survival to strategy, from broken systems to financial sovereignty. I didn’t grow up rich, but I’m learning how to grow wealthy in wisdom, assets, and action—and I’m bringing others with me.

This blog isn’t just about money. It’s about breaking cycles, creating freedom, and helping people see that wealth isn’t flashy—it’s foundational.

And if I can figure this out? So can you.

✍️ About the Author

A.L. Childers is a professional author, journalist, and cultural critic with over 50 published works, including:

  • Silent Chains: Breaking Free from Conformity and Injustice
  • Roots to Health: How I Healed My Thyroid and Cleared My Arteries
  • The Hidden Empire: A Journey Through Millennia of Oligarchic Rule
  • The Hypothyroidism Chick (popular blog)

Audrey (aka A.L.) is committed to exposing lies, empowering readers, and helping everyday people reclaim their health, money, and mind.

Follow more of her truth-telling at TheHypothyroidismChick.com

⚠️ Disclaimer

This blog is for educational and informational purposes only. It is not intended as financial advice. All statistics are based on publicly reported research from Kiplinger, Forbes, Ramsey Solutions, and the studies of Tom Corley. Readers should consult a financial advisor for personalized guidance.

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The Real Cost of Becoming a Notary Public: Beyond the Glamour and TikToks

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We’ve all seen the glamorous TikToks and YouTube videos: notaries driving sleek cars, living their best mobile life, and cashing in $150 per loan signing. It looks like the ultimate work-from-anywhere job. But here’s the truth no one tells you — becoming a notary isn’t cheap, and it’s far from instant money.

I want to share my personal journey and real numbers to help anyone out there who’s considering diving into this career. This isn’t a post to discourage you — it’s one to prepare you.

Step-by-Step: What It Really Costs to Become a Notary in North Carolina

1. The Notary Class & Application

  • Notary Public Class: $147 (at CPCC or similar)
  • Secretary of State Application Fee: $50
  • Register of Deeds Fee: $10 (plus printed approval email + ID)

Subtotal so far: $210

2. Basic Notary Supplies

  • Notary Stamp
  • Journal
  • Notary Bag
  • Clipboard
  • Receipt Book
  • Pens, Stapler, Highlighters

Estimated Cost: $200

3. Electronic Notary (e-Notary) Certification

  • 4-Hour e-Notary Class: $102
  • e-Notary Application Fee: $50
  • Notary Bond + Insurance: $100–$200
  • Electronic Notary Seal: $20–$50
  • Live Scan Fingerprinting: $45–$80

Estimated Cost: $300–$400

4. Loan Signing Agent Certification

  • Loan Signing Training Course: $299 (Loan Signing System or similar)
  • NNA Membership + Background Check: $300

Subtotal: $599

5. Office Equipment

  • Dual Tray Printer: $300–$700 (Epson, Brother, HP)
  • Portable Scanner: $200+
  • Mobile Hotspot/Internet on the Go: $20+/month

Estimated Equipment Cost: $700–$1,000+

6. Marketing & Business Setup

  • Business Cards: $20–$50
  • Website (optional): $50–$100/year
  • Advertising (Google, Yelp, Thumbtack): Variable

Total Estimated Investment to Become a Fully-Equipped Notary Signing Agent: $1,800 – $2,900+

This doesn’t include gas, car maintenance, scheduling tools, or continuing education — all of which add up over time.

My Personal Experience

Right now, I’ve completed the notary class, submitted my application, taken my oath, and purchased my basic supplies. I’m still working my way through the rest — step by step, as funds allow.

So when people ask why I haven’t made $5,000 yet — it’s because I’m building a business from the ground up. I don’t have a trust fund or a $3,000 cushion to get started. And that’s okay. Because slow progress is still progress.

Like they say: it’s a marathon, not a sprint.

Want to Get Started? Here’s Where to Begin:

If you found this helpful, share it with someone thinking of becoming a notary. And if you’re on this journey too — I see you, I support you, and I’m rooting for you.

Dear Agencies: $20 an Hour for a Licensed Health Insurance Agent? That’s Not a Job Offer—It’s an Insult.

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Dear Agencies: $20 an Hour for a Licensed Health Insurance Agent? That’s Not a Job Offer—It’s an Insult.

If you’re a health insurance agent—or you know one—you’ve probably seen the job postings: “Health Insurance Agent Needed! Must be licensed, have sales experience, be a self-starter, and ready to change lives. Pay: $20/hour.”

And just like that, every licensed agent’s eyes roll so hard they can practically see their own student loan balances.

Let’s be honest: $20 an hour for a role that requires government licensing, annual continuing education, complex compliance rules, and daily interaction with clients who are often stressed, anxious, or struggling? That’s not competitive. That’s not even respectable. It’s a slap in the face to an entire profession.

Why Is This Happening?

It’s the same story as in many industries: agencies want expertise, accountability, and results—without offering the pay those things deserve.

Let’s break it down:

  • You want a licensed agent? That’s a minimum of 40+ hours of state-approved coursework, exam fees, and annual continuing ed.
  • You want sales and customer service experience? That’s years of honing communication, persuasion, and resilience in one of the toughest markets in America.
  • You want agents who understand CMS, HIPAA, E&O insurance, state and federal regulations, and can handle high-stress Open Enrollment chaos without missing a beat?
  • And you want them to bring in clients, cross-sell, upsell, and handle objections like pros?

All for $20 an hour?

What Agents Are Saying

The sentiment online is clear. Here’s what real health insurance agents, and professionals in similar industries, are saying:

  • “I spent months and hundreds of dollars to get licensed, and now you want to pay me the same as a fast-food shift manager?”
  • “I’m responsible for compliance, client data, and regulatory paperwork that can result in thousands in fines if I slip up, but you’re offering what—a few dollars over minimum wage?”
  • “Try living on $20 an hour in today’s economy, paying your own health insurance, E&O, and office expenses.”
  • “You want the heart of a teacher, the hustle of a salesperson, the patience of a therapist, and the risk of a business owner, all for less than what the grocery store is offering stockers right now?”
  • “I can make more as a remote call center rep—with zero licensing, zero risk, and zero stress.”

And the comparison to other industries is just as stark:

  • Costco and Amazon warehouse associates routinely start at $18-$24/hour plus benefits.
  • According to Bureau of Labor Statistics, the median hourly wage for insurance sales agents is $27.49 as of 2023—and that includes many agents earning commissions on top.
  • Fast food and retail roles are now offering $17-$20/hour with less risk and almost no licensing required.

The Real Cost of Low Wages

When agencies offer insultingly low wages, here’s what really happens:

  • Experienced agents walk. They find better pay elsewhere—or leave the industry entirely.
  • Clients suffer. High turnover means less knowledgeable agents, dropped balls, and poor service.
  • Your agency’s reputation tanks. You become known as the place that undervalues talent.
  • Newcomers get discouraged. Why spend time and money on licensing if the pay is barely above minimum wage?

The Truth About the Job

Health insurance agents aren’t just salespeople. They’re educators, advocates, problem-solvers, and, sometimes, literal lifesavers. They help families navigate the confusing world of premiums, networks, government subsidies, tax credits, and critical care coverage. They’re the ones people call in a crisis—when they’ve lost a job, gotten a scary diagnosis, or need to fight for a claim.

That level of expertise should be valued and compensated accordingly.

What Should Agencies Do?

  • Pay competitively. If you want great agents, offer at least the industry median—or more if you want to attract and retain top talent.
  • Stop lowballing. $20 an hour is not enough for a role that can change a client’s life.
  • Recognize the value of licensing and expertise. It’s not just a box to check. It’s years of commitment and knowledge.
  • Provide pathways to growth, not just a stagnant hourly wage. Offer commission, bonuses, and real career opportunities.

Resources & References

Bottom Line: If you want to pay $20 an hour, be prepared for high turnover, unhappy clients, and missed opportunities. But if you want real results, loyalty, and expert service—pay your agents what they’re worth.

Because health insurance is too important for anything less.

Want more honest talk about the real world of insurance and business? Visit TheHypothyroidismChick.com or check out books by A.L. Childers for insider tips, hard truths, and stories that matter.

The Only Thing More Tiring Than Filing Your Taxes Is Knowing the Billionaires Skip Out on Theirs

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LEARN THE TAX CODE.

Let’s face it: Nothing gets Americans fired up like taxes—except maybe the nagging suspicion that the richest among us aren’t playing by the same rules. Every April, we roll up our sleeves, pop some ibuprofen, and dive into receipts while billionaires seem to find clever ways to avoid paying their “fair share.” But what’s fact, what’s fiction, and what do the comments really get right (or wrong) about our tax system?

Let’s break down some of the common arguments and arm you with real facts—because if there’s one thing more powerful than anger, it’s understanding the tax code yourself.

1. “It’s called income tax, not worth tax.”

That’s correct—the U.S. taxes income, not total wealth. This is why someone like Warren Buffett, whose net worth is mostly in stocks, may pay a lower tax rate on realized gains than a middle-class worker pays on a W-2 salary. There is no “billionaire tax” on their entire net worth—only on what they actually sell or earn.

Reference:

2. “It’s knowing what they are doing with my money, for me.”

A totally fair frustration! Once your taxes are paid, the federal government spends your money on a wide array of things—including defense, Social Security, Medicare, interest on national debt, and many, many government programs. Want a breakdown? Check out the official numbers.

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3. “Rich and poor are the same. They get theirs off the backs of us who actually go to work.”

This one’s partially true, partially myth. Yes, everyone tries to minimize taxes, but the wealthy have access to better accountants, lawyers, and lobbyists who write loopholes—think “carried interest” and offshore shell corporations. The average person can’t take advantage of these strategies, so the playing field isn’t level.

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4. “I think they pay their fair share but how about IRS employees that don’t pay theirs! That should be of more concern because it’s real and not media propaganda.”

The IRS does have issues with some of its own employees failing to pay taxes (as does every large organization). But the IRS does track this and has discipline in place. However, the scale of this is minuscule compared to the billions in legal tax avoidance by major corporations and billionaires.

Reference:

5. “The top 50% pay 97% of the taxes!”

This is a favorite talking point—and it’s technically true, but it’s also misleading. The top 50% earn the vast majority of income, so naturally they pay most of the income tax. But the top 1% owns more wealth than the entire bottom 90% combined (Federal Reserve, 2023). They’re not paying more out of generosity—they’re paying more because they own and earn more.

Reference:

6. “Low income people don’t pay anything. They get money back!”

Partially true. Many low-income workers receive credits like the Earned Income Tax Credit (EITC), which can result in a refund. But they still pay payroll taxes (Social Security, Medicare) and sales taxes, which eat up a bigger chunk of their income than for the wealthy. If you count all taxes, the U.S. system is less progressive than it seems.

Reference:

7. “Instead of blaming billionaires for exploiting the system, eliminate the system. Everyone uses tax breaks. Go for a flat or consumption tax.”

This is a hot debate:

  • A flat tax sounds fair, but it tends to shift the burden onto lower and middle income earners while letting the richest off easier.
  • A consumption tax (like a national sales tax) also hits the poor harder, because they spend more of their income on essentials.

Every system has winners and losers—what we have now is a patchwork of loopholes, credits, and deductions that only the truly wealthy can fully exploit.

Reference:

8. “What about all these crypto/forex guru comments?”

These are mostly scam bots and fake testimonials. No real financial expert will DM you for crypto investments or offer overnight riches. The IRS is also very interested in crypto gains and requires you to report them—no loopholes there!

Reference:

So What’s the Truth?

Yes, billionaires pay taxes—but they pay less, on average, as a percent of their wealth than you do.

  • They use legal strategies like “buy, borrow, die,” real estate depreciation, and offshore entities to minimize what counts as income.
  • Many Fortune 500 companies have years where they pay $0 in federal income tax.
  • Most Americans do take every deduction they can, but the average person’s options are tiny compared to the billionaire toolbox.

If this feels unfair—it’s because the system was built that way. Want change? Learn the tax code, get involved, and push for reform.

Resources to Learn More

Bottom line:
Filing taxes is exhausting—but it’s nothing compared to fighting a system that was designed to benefit the few. Educate yourself, advocate for change, and don’t fall for the noise (or the crypto comment bots).

The more you know, the less tiring it feels—until next April, at least.

If you found this helpful, share it! Have a tax myth you want busted? Drop it in the comments. Let’s learn the tax code—together.

A.L. Childers
Published Author, Advocate, and Your Partner in Thyroid Health

Disclaimer

The information and recipes in the blog are based on the author’s research and personal experiences. It’s for entertainment purposes. It’s only. Every attempt has been made to provide accurate, up-to-date, and reliable information. No warranties of any kind are expressed or implied. Readers acknowledge that the author does not render legal, financial, medical, or professional advice. By reading this blog, the reader agrees that under no circumstance is the author responsible for any direct or indirect loss incurred by using the information contained within this blog. Including but not limited to errors, omissions, or inaccuracies. This blog is not intended to replace what your healthcare provider has suggested.  The author is not responsible for any adverse effects or consequences from using any of the suggestions, preparations, or procedures discussed in this blog. All matters about your health should be supervised by a healthcare professional. I am not a doctor or a medical professional. This blog is designed as an educational and entertainment tool only. Please always check with your health practitioner before taking any vitamins, supplements, or herbs, as they may have side effects, especially when combined with medications, alcohol, or other vitamins or supplements.  Knowledge is power; educate yourself and find the answer to your healthcare needs. Wisdom is a beautiful thing to seek.  I hope this blog will teach and encourage you to take leaps in your life to educate yourself for a happier & healthier life. You have to take ownership of your health.

The views and services offered by Thehypothyroidismismchick.com are not intended to be a substitute for professional medical assistance but as an alternative for those seeking solutions for better health. We do not claim to diagnose, treat, prevent, or cure any disease but simply help you make physical and mental changes in your own body to help your body heal itself. Remember that results may vary, and if you are pregnant, nursing, taking medications, or have a severe condition, you should consult a physician or other appropriate medical professional before using any products or information on this site. Thehypothyroidisimchick.com assumes no responsibility for the use or misuse of this material. Your use of this website indicates your agreement to these terms. Our full disclosure, terms of use, and privacy policy.

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Who’s Your Favorite Corrupt Public Servant Turned Millionaire in Congress? Because apparently, crime pays—if you’re in politics.

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Disclaimer:

This blog is for informational and entertainment purposes only. While all information shared here is based on publicly available sources, historical documentation, and open records, everything is still alleged—unless, of course, you feel like taking your own deep dive down the rabbit hole. The truth, as they say, is in black and white… on paper… in ink. And yet, oddly enough, no one seems to get arrested. Ever.

Let’s Be Real—Where Are the Arrests?

If the average American misses a single tax payment, the IRS knows exactly how much you owe—down to the penny. They’ll garnish wages, freeze accounts, and make you feel like you just robbed a bank.

Meanwhile, our own government has “lost track” of trillions, but no one is being held accountable. No one’s getting perp-walked on CNN. No public hearings that result in orange jumpsuits. Just promotions, re-elections, and bigger checks from donors.

Let’s Start With This:

✖️ $2.3 Trillion “Lost” by the Pentagon

On September 10, 2001, then-Defense Secretary Donald Rumsfeld publicly announced that the Pentagon could not account for $2.3 trillion in transactions.

That was the day before the September 11 attacks.

Coincidence? You decide. The investigation never reached the public’s eye. The news cycle changed overnight. And guess what? That money was never truly found.

✖️ 2008 Bank Bailouts – Where Were the Receipts?

When Wall Street drove the economy into a ditch, $700 billion in taxpayer dollars were handed over with almost zero oversight. The Troubled Asset Relief Program (TARP) was supposed to stabilize the economy, but instead, bank executives gave themselves bonuses, kept their jobs, and left millions of Americans jobless and homeless.

Where are the detailed receipts? Where are the itemized bailouts? Who approved them, and how much did they get from lobbying firms afterward?

✖️ COVID Relief: Trillions… to Who Exactly?

Over $4.5 trillion was allocated for pandemic relief. And yet, billions went to fraudulent claims, corporations who didn’t need it, and contractors with political ties. Small businesses were strangled while multinationals got richer.

Ask your neighborhood café owner how helpful those “relief” programs were. Meanwhile, companies like Ruth’s Chris Steak House, Shake Shack, and big airlines got slices of the pie—until public outcry forced a few to return it.

Congress: The Only Job Where Insider Trading Is Legal

Members of Congress are supposed to serve the people—but somehow, many of them leave office far wealthier than when they entered.

Examples:

  • Nancy Pelosi’s net worth rose from around $21 million to over $120 million. She and her husband have made timely stock trades—right before big government moves.
  • Mitch McConnell and his wife, Elaine Chao (former Transportation Secretary), have ties to shipping companies and Chinese business interests.
  • Dianne Feinstein’s husband had major defense contracts while she sat on committees that voted on military budgets.

And don’t even get us started on the 2020 Senate stock sell-off scandal when senators dumped stocks after a private COVID briefing—weeks before lockdowns started.

Why Don’t Politicians Wear Sponsors Like NASCAR Drivers?

If athletes and drivers can slap logos on their uniforms, why not our lawmakers?

Imagine seeing:

  • “Sponsored by Pfizer” on a senator pushing pharma bills.
  • “Brought to you by Lockheed Martin” on the suit of a defense hawk.
  • “Google/Meta Approved” stamped on tech regulation hearings.

It would be funny… if it weren’t so tragic.

This Isn’t an American Dream—It’s an American Nightmare

We were sold a lie. Work hard, pay taxes, stay out of trouble—and you’ll succeed. But here we are: taxed to death, drowning in debt, rent going up, groceries priced like caviar, and wages staying stagnant.

Meanwhile, Congress dines in luxury, flies private, and gives our money to corporate interests and foreign wars, then turns around and tells us there’s not enough left for education, infrastructure, or affordable healthcare.

Final Thought: Follow the Money, Always

This isn’t just politics—it’s a heist. And we’re the ones footing the bill.

Everything isn’t what it seems. And frankly? I’m done giving my money to spoiled, rich children playing pretend in the halls of power while the rest of us suffer under bills, burnout, and broken promises.

It’s time to speak out, ask questions, and stop accepting corruption as normal.

Written by A.L. Childers
Truth-seeker, taxpayer, and tired of the BS.

Maximizing Your Tax Deductions as a Work-from-Home Health Insurance Agent

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Let’s face it—being a work-from-home health insurance agent comes with its own set of unique perks and challenges. While we get to skip the long commute and wear comfy slippers during client calls, tax season has a way of making even the most seasoned agents break out in a cold sweat. But here’s the good news: Uncle Sam may take a chunk of our income, but he’s also left us plenty of ways to save.

If you’re like me, you want to keep as much of your hard-earned money as possible while still playing by the rules. So, let’s dive into the deductions you can claim, keep more money in your pocket, and maybe even stay in the lowest tax bracket. (Who doesn’t want to brag about that?)

The Magic of the Home Office Deduction

First things first—your home office is a goldmine for tax deductions. If you have a space in your house that you use exclusively for work (and no, your bed doesn’t count, no matter how many emails you send from it), you can deduct a portion of your home expenses.

There are two ways to calculate this:

  1. The Simplified Method: You get $5 per square foot of your office, up to 300 square feet.
  2. The Actual Expense Method: You deduct a percentage of your rent/mortgage, utilities, and maintenance based on the size of your office.

Pro tip: If you’re using the fancy coffee mugs in your office, make sure they’re business-related. It’s all about the details!

Stocking Your Office Without Stocking Your Tax Bill

Let’s talk supplies. From pens to printers, everything you use to keep your business running can be deducted. Invest in quality equipment, whether it’s a dual monitor for client presentations or a new chair that won’t break your back.

And don’t forget about software. CRMs, cloud storage, and even that Zoom subscription you use for client calls? They all count. (If only we could deduct the awkward silences during video calls, right?)

Staying Connected: Internet and Phone Bills

Your internet and phone are lifelines to your clients—and to your deductions. Calculate the percentage of time you use these services for work and write that off. If you’re on the phone with clients more than your family, it’s time to let the IRS know.

Market Like a Pro

Every penny you spend on marketing—whether it’s a slick website, Google Ads, or those business cards you forgot to hand out at a networking event—is deductible. Remember, the more you promote yourself, the more clients you can reach, and the more you can save come tax season.

Travel and Mileage: Your Car is a Tax-Saving Machine

Do you drive to meet clients or attend conferences? Keep track of your mileage because every mile adds up. The IRS even gives you a standard rate per mile (65.5 cents in 2023). Just make sure to track your trips with a mileage log or app.

Professional Development: Sharpen Your Skills, Lower Your Taxes

Did you take a course to add another certification to your arsenal? That’s deductible! Whether it’s Medicare Advantage, life insurance, or something else, any training that helps you grow your business can be claimed.

Books, webinars, and trade publications? Add them to the list. Because let’s be real—knowledge is power, and tax savings are the cherry on top.

Insurance Agents Need Insurance Too

If you pay for liability insurance or Errors & Omissions (E&O) coverage, you can deduct those expenses. And if you’re self-employed, don’t forget your health insurance premiums. The IRS gives self-employed folks a break here, so take advantage of it.

Don’t Forget the Small Stuff

  • Gifts: Small tokens of appreciation for clients (up to $25 per person per year) can be deducted.
  • Bank Fees: If you have a business bank account or use payment processors like PayPal or Stripe, those fees are deductible.
  • Home Repairs: Did you fix that squeaky door in your office or add better lighting for Zoom calls? Deduct it!

How to Stay Organized and Stress-Free

  1. Keep Records Like a Pro: Receipts, invoices, and bank statements are your best friends.
  2. Use Accounting Software: QuickBooks, Wave, or similar platforms can help track expenses and simplify your life.
  3. Hire a Tax Professional: If you’re overwhelmed, a tax expert can help you maximize deductions and keep you compliant.

What’s Next? Diversify Your Portfolio

The healthcare landscape is always changing, so it’s smart to explore additional certifications. Consider adding Medicare Advantage, life insurance, or property and casualty insurance to your offerings. These areas not only provide new income streams but also offer flexibility to balance work and family time.

My Final Word

Being a work-from-home health insurance agent means wearing many hats—advisor, marketer, accountant, and maybe even your household chef in between calls. But with careful planning and a little humor, you can maximize your savings, keep more of what you earn, and thrive in this ever-changing industry.

Remember, I’m here to help, whether you need guidance on insurance, want to brainstorm deductions, or just need a laugh after a long day.

Here’s to a profitable and tax-savvy future! Cheers!

Disclaimer

The information provided in this blog is for general informational and educational purposes only. It reflects the personal opinions and professional experiences of Audrey Childers, a licensed health insurance agent. While every effort has been made to ensure the accuracy and reliability of the information shared, it is not intended as specific legal, financial, tax, or professional advice.

Tax laws, insurance policies, and regulations are subject to change and may vary based on your location or individual circumstances. Readers are encouraged to consult with a qualified tax professional, accountant, or legal advisor for advice tailored to their specific needs.

Audrey Childers and associated parties are not responsible for any errors, omissions, or actions taken based on the content of this blog. All decisions regarding taxes, deductions, or financial planning should be made after consulting with a licensed professional.

When Life Hits Hard: Coping with Job Uncertainty and the Weight of Survival

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Introduction: The Harsh Realities of Life
No one prepares us for how tough life can get. We grow up with dreams and plans, but reality often takes a different course. Jobs come and go, and promises of security can vanish in an instant. For those of us trying to keep it all together, the weight of uncertainty can feel unbearable.

I know this firsthand. My husband was recently laid off, and now we’re living on a razor’s edge. My job, which once felt stable, now feels like quicksand as I’m being scrutinized for underperformance. But how can I control the uncontrollable? Calls go unanswered, voicemails are ignored, and I’m left holding the blame for factors beyond my control. It’s frustrating, disheartening, and has taken a toll on my mental health.

I cry often. The stress of being one paycheck away from losing everything is suffocating. And yet, somehow, I have to keep going. Because if I don’t, who will? This is the reality for so many of us—navigating a system that feels unforgiving and relentless.

Life Is Unpredictable: The Need to Keep Your Options Open

Life doesn’t come with guarantees. The only constant is change, and in this dog-eat-dog world, we must stay prepared for the unexpected. While this might sound like a motivational slogan, the truth is that keeping your options open is about survival. Here’s how I’m trying to cope, even when the odds feel stacked against me:

  1. Educate Yourself Continuously
    It’s easy to feel trapped in a job that doesn’t seem to value you. But the key to resilience is education—whether that’s learning a new skill, exploring a side hustle, or staying informed about industry trends. Keeping your skill set fresh ensures you’re always ready to pivot when needed.
  2. Embrace the Hustle, but Protect Your Health
    Yes, we live in a hustle culture. But burnout won’t get us anywhere. I’ve learned that while working hard is necessary, so is taking moments to breathe, cry if needed, and acknowledge your struggles. Mental health is as critical as financial stability.
  3. Build a Safety Net—Even If It’s Small
    Saving money might feel impossible when you’re living paycheck to paycheck. But even small efforts can add up over time. A few dollars saved here and there can create a cushion for emergencies.
  4. Create Backup Plans
    Whether it’s updating your résumé, networking within your industry, or exploring freelance opportunities, having a plan B can provide a sense of control during chaotic times.

The Emotional Toll: It’s Okay to Struggle

It’s important to acknowledge that the stress of job insecurity can be overwhelming. Crying doesn’t make you weak—it makes you human. Feeling defeated doesn’t mean you’ve failed; it means you care deeply about your responsibilities.

But we must also find ways to lift ourselves up. Talk to someone you trust—a friend, a therapist, or even an online support group. Writing down your feelings, like I’m doing here, can also help process the heaviness.

A Short Story: When It All Felt Like Too Much

A friend of mine, Sarah, was in a similar situation. Her husband was laid off, and shortly after, her own job started downsizing. She was terrified of what might happen next. With two kids at home and no savings to fall back on, the stress mounted daily.

Instead of letting the fear paralyze her, Sarah started taking small steps. She enrolled in a free online certification course to boost her résumé. She reached out to former colleagues and let them know she was looking for opportunities. She also started selling handmade crafts on an online marketplace to bring in extra income.

It wasn’t easy, and there were days when she wanted to give up. But over time, those small steps added up. She landed a new job, one that appreciated her skills and provided better security. The extra income from her side hustle became a bonus.

Conclusion: Rising Above the Chaos

Life is hard. There’s no sugarcoating that. Jobs will come and go, and uncertainty will always be part of the equation. But within that chaos, there’s also strength—the kind that comes from knowing you’re capable of adapting, learning, and growing.

When everything feels like it’s crumbling, remember that you’re not alone. Take it one step at a time, and focus on what you can control. The journey may be rocky, but resilience is built in the moments when we keep going, even when it feels impossible.

We’re all just trying to survive in a world that doesn’t promise us much. But with determination, self-care, and a willingness to keep our options open, we can find a way through—even when it feels like we’re one paycheck away from losing it all.