Welcome to Bob Ritter's Blog

President/CEO, InsMark, Inc.


Bob Ritter has been in life insurance sales and sales management for over four decades. He started with Mass Mutual in northern New Jersey and at age 26, he was appointed General Agent by Mass Mutual in Oakland, California — the youngest General Agent ever appointed by that company. Three years later he took over a New York City agency for Mass Mutual where he was twice awarded the National Manpower Award, the company’s most prestigious award for the development of sales leaders.


In the early 1980s, Bob formed InsMark, a company dedicated to producing transferable marketing techniques for a wider group of producers. The success of InsMark has been phenomenal as 150+ companies have sponsored InsMark products utilized by over 30,000 producers. He guides his business career based on the following premise:


The will to win is not nearly as important as the will to prepare to win!


Bob is a life member of MDRT and was a qualifier for Top of the Table and International Forum until the growth of InsMark required all of his time. A dynamic and entertaining speaker, he has spoken at hundreds of industry seminars and conventions and was featured at the 1995, 1996, 2004, and 2008 MDRT annual meetings as well as the 2002 and 2004 annual meetings of the Top of the Table and 2003 and 2006 International Forum.


A past member of the MDRT Foundation’s Board of Directors, Bob was a member of the Split Dollar Sub-Task Force of the Association of Advanced Life Underwriters (AALU) during the lead-up to the Final Split Dollar Regulations issued in 2003. He is also the Founder and Past President of the Diablo Advocates, an organization dedicated to youth opportunities.


Bob graduated from The Lawrenceville School and from Williams College with a degree in Psychology. While at Williams, he also played lead cornet in the first college jazz band ever to play in Carnegie Hall. Called the Spring Street Stompers, this Dixieland jazz group won the Arthur Godfrey Talent Scout show on CBS (#1 in the ratings at the time), appeared on the Tonight show on NBC, and played frequently at the top jazz clubs in Boston and New York.

Bob and his wife, Laurel, live in Alamo, California. They have eight children and 22 grandchildren.



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Blog Archives:

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August 2014:

Blog #68: A Pretend 401(k) Plan vs. Indexed Universal Life

Blog #67: Filling the Pothole in Wealth Planning

Blog #66: Buy Now vs. Buy Later Video

Blog #65: An Exceptional Video on Retirement Planning



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July 2014:

Blog #64: More on Single Premium Immediate Annuities

Blog #63: Sometimes You Just Need a Good Calculator

Blog #62: Review of the Rescue Plans

Blog #61: Sacrificing Cash Flow with a 401(k) Plan



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June 2014:

Blog #60: Coupling College Funding With Retirement Planning

Blog #59: The InsMark Business Valuator – A Powerful Tool For Financial Advisers

Blog #58: A New Retirement Planning Strategy

Blog #57: Messages from Washington Are Often Unpleasant

Blog #56: An Easy Charitable Legacy



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May 2014:

Blog #55: Charitable IRA

Blog #54: Dollars to Charity for Pennies of Cost

Blog #53: “There Wasn't Nigh As Many As There Was A While Ago”

Blog #52: Participating Loans vs. Fixed Loans

Blog #51: Avoiding the Tax Bomb in Life Insurance



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April 2014:

Blog #50: The Cost of Waiting

Blog #49: More CheckMate Selling®

Blog #48: Dollars of Benefits for Pennies of Cost

Blog #47: Tom and Kristin’s Retirement Planning



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March 2014:

Blog #46: Let’s Make Sure the Girls Go to College

Blog #44: Alternate Golden Handcuffs for Tom Hamilton

#Blog #43: Golden Handcuffs for Tom Hamilton (Part 3 of “Valuing the Business”)



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February 2014:

Blog #42: Adding Key Executive Coverage (Part 2 of “Valuing the Business”)

Blog #41: If We Sell Our Business, Can We Afford to Retire?



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January 2014:

Blog #38: Avoiding a $20 Million Mistake

Blog #37: Four Ways to Smite a Termite

Blog #36: The Magic of Indexed Universal Life



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December 2013:

Blog #31: IRA Rescue Made Easy



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October 2013:

Blog #26: Exceptional Benefits for Outstanding Executives

Blog #24: Maybe The Best Lead Generation Idea Ever



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September 2013:

Blog #21: Equity Rescue Made Easy

Blog #18: Premium Financing Meets Wealthy And Wise®



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August 2013:

Blog #14: #1 Financial Concern of Most People? Running Out of Money!



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July 2013:

Blog #10: Annuity Rescue Made Easy

Blog #8: The Pothole in Wealth Management, Good Logic vs. Bad Logic™



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June 2013:

Blog #6: How To Prove Which Of Your Clients Should Purchase Long Term Care Insurance

Blog #4: If Something Important You Believe To Be True Turns Out To Be Wrong, When Would You Want To Know About It?



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May 2013:

Blog #2: Anyone Want a Free Dog?