by Ed Hinerman | May 28, 2013 | AIG, approval, assumptions, cash value, death benefit, guarantee, guaranteed level premium, illustration, insurance, life insurance, whole life
I’ve been working through a tricky underwriting case with a client. He was initially declined by a few companies and then approved by American General at their highest rating. Not best rate, but highest, as in table 8. It was at this point that he called me. In...
by Ed Hinerman | May 4, 2013 | assumptions, cash value, death benefit, guarantee, guaranteed level premium, illustration, indexed universal life, insurance, life insurance, long term guarantee, no lapse guarantee, universal life
Two and a half years ago, when indexed universal life insurance seemed to be taking over the insurance landscape, I spent considerable time studying the products and then posted my thoughts in this forum. In particular I took great exception to the fact that agents...
by Ed Hinerman | Jul 18, 2012 | assumptions, conversion, guarantee, insurance, life insurance, term insurance, universal life
I had a gentleman call me the other day to see what he could do about the mess his life insurance had ended up in. 10 years ago his agent converted his term insurance policy, at that time a Kemper policy and now a Protective Life policy. This man explained to the...
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