A ‘return of premium’ rider offers a refund if you outlive your term life insurance policy, but it will cost you extra

Creating a culture of continuous improvement is one of the most powerful ways to keep an organization agile, innovative and competitive. When everyone on the team feels encouraged to grow and improve, it not only benefits individual performance but also strengthens the organization as a whole.

As a leader, I’ve learned that transparent communication isn’t just a “nice-to-have” — it’s essential. When I started in this industry, I was taught that professionalism meant keeping a certain distance, showing confidence and staying polished.

Ambition drives a leader to pursue goals, push boundaries, and achieve results, while compassion fosters understanding, trust, and a strong sense of team unity. The challenge? Finding harmony between the two.

Leadership is often associated with decision-making, vision casting and taking charge. While these are certainly key elements of being an effective leader, there’s another skill that’s just as critical but often overlooked—listening.