I grew up in California and graduated from UCLA, with a major in English Literature. I am a lifelong entrepreneur and president of H.W. Frazee and Company, with the professional designation of Chartered Life Underwriter (CLU). I am a member of the Top of the Table(TOT), the top two tenths of one percent of life insurance agents in the world. Through my love of writing, I have published two books so far and have several others in development.The purpose of my books is to help readers live their vision and mission and to better connect with their family, friends, customers and community. I live in Los Angeles with my wife and three children.


I am always interested in doing what I do better, in every area of my life, and share what I learn with my readers. If you have a better way of doing something, I would love to hear from you. Generally, I write from three points of view.The first is vision, relationship and strategy, which boils down to how to get what you want by helping others get what they want.The second is connectivity, namely, how to connect easily with your customers and your family. And thirdly, mission, meaning and purpose. These are things that inspire me, which I’d like to share with you in the hope that you’ll find it as meaningful as I have. I welcome any suggestions you may have for topics as well, so please let me know.


I grew up in Los Angeles and still live here, though my life-long dream is to have a log cabin at Lake Tahoe. My great grandparents came to Los Angeles in 1911, so we have been here awhile. I grew up with lots of family around me. My cousins lived across the street from me until I was six. And when they moved away to Tarzana, we did as well. My favorite thing growing up was to be “up at the cabin,” thus the dream mentioned above. For more on this subject, see my first book, Before We Say “Goodnight:” How to tell bedtime stories about your life and family. I wrote it to teach other parents how to better connect with their children, and have fun doing it by telling them stories about their own lives as kids.

Growing up, I had no idea what I wanted to do, or more accurately, I had lots of ideas but not one that stayed with me for very long. So when I went to UCLA and wandered from major to major to major. The last two were political science and English literature. The idea of going to law school occurred to me, as did the thought of medical school and grad school to become a psychologist. Having found my true love in English literature, I feared it would be boring to go to law school after reading the great works. Had someone suggested that I could go to law school and not practice law, I would have done that. But it’s just as well because not going to law school as I gradually realized I was more of an entrepenur than an attorney. So I kept on in my stained glass-window-making business, the latest of several businesses that I began from high school on. I am an entrepeneur at heart, and still am. Not wanting to breathe lead fumes for the rest of my life, I made the natural transition into Life Insurance and have had a great career helping people protect those they love. One thing you learn in selling life insurance is that no one buys it unless they love someone. You might say that in my transition to writing, I went from helping people protect their financial legacy to helping them protect their personal legacy.

I did very well in the life insurance business and view it as helping people get what they want and need. Without that business and my longtime experience in it, I could not have written my second book, Referral Upgrade: A New Way to Find Your Very Best Clients. It was born out of my frustration with asking for referrals. Through my love of writing, I have published two books so far and have several others in development. Waking up one night with a start and thinking, “What if I just focused on referring them?” That lead me to develop a system through which anyone can get referred to their very best clients, often without asking. It’s fun for you and the person you are meeting with and it works! I use this method every day to achieve great results for my clients and for myself. I have been married to my wonderful wife, Liz, for 20 years. We have three kids and live just outside of Los Angeles, one step closer to that cabin in the woods.


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