by Ed Hinerman | Jun 8, 2015 | bad customer service, bait and switch, budget, cash value, guarantee, guaranteed level premium, honesty, indexed universal life, insurance, life insurance, life insurance lapse, lifetime guaranteed UL, loyal customers, rate increase, universal life
Transamerica Life Insurance, formerly Transamerica/Occidental Life may have just taken over the coveted position in the life insurance industry that Protective Life has held for years, the Turd In The Punchbowl Award. They sent out the this email today announcing that...
by Ed Hinerman | Mar 12, 2015 | approval, assumptions, budget, cash value, conversion, Conversion to a permanent product, death benefit, guarantee, indexed universal life, insurance, life insurance, no lapse guarantee, rate increase, term insurance, universal life, whole life
I think I’m finally coming to grips with the fact that the life insurance learning curve isn’t really a curve. It’s more the path of a tether ball. It goes round and round, changing speed, direction and attitude with each full turn and then, BANG, it...
by Ed Hinerman | Feb 9, 2015 | abnormal ekg, abnormal labs, arrythmia, atrial fibrillation, bait and switch, impaired risk life insurance, indexed universal life, insurance quotes, life insurance, life insurance approval, life insurance underwriting
The other guys! That would be most agents and agencies out there who aren’t inclined to ask you to do homework before they provide a life insurance quote, but here’s the deal, if they provide you a quote at all it won’t be as accurate as mine almost...
by Ed Hinerman | Jan 7, 2015 | beneficiary, cash value, conversion, Conversion to a permanent product, guarantee, guaranteed level premium, indexed universal life, insurance, life insurance, life insurance claim, term insurance
Isn’t it true of everything in our lives if we’re over 50, change is happening and with life insurance the companies are making sure it is “Advantage Company” in their tennis match with customers. Having lost count of the number of life...
by Ed Hinerman | Dec 4, 2014 | cash value, Conversion to a permanent product, indexed universal life, insurance, life insurance, lifetime guaranteed UL, rate increase, universal life
There is a reason most life insurance agents never make it to their 2nd year in the business and it isn’t because they’re stupid or life insurance really doesn’t have the potential to be a well paying lifetime career. The lack of long term success...
by Ed Hinerman | Nov 18, 2014 | assumptions, cash value, financial adviser, guaranteed level premium, indexed universal life, insurance, life insurance, lifetime guaranteed UL, term insurance, universal life, whole life
Greed strike a chord with you? After years of looking at indexed universal life insurance and hearing all the arguments and seeing all of failures, it occurs to me that the bigger the cash value numbers an agent can show a potential client, whether they are based 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...
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