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By Ed Hinerman on October 18, 2012
Everyone wants a deal. My wife never buys anything without throwing out the Dave Ramsey line, “Is that the best you can do?”, and I am amazed at how much and where she gets discounts. Too bad Dave has never asked his own life insurance agent that, but we’ll save Zander Insurance for another day. ...read more
Posted in AARP, Burial insurance, compliance, final expense life insurance, financial adviser, guarantee, guaranteed level premium, insurance, life insurance, universal life | Tagged AARP, actuarial guideline, additional reserves 1/1/13, AG38, big change coming, final expense insurance, final expense life isurance, Fire sale, insurance, life insurance, National Association of Insurance Commissioners, no impact on policies issued, no lapse guarantee UL, no lapse guarantee universal life, premium increases 1/1/2013, pull under priced products from converson, rates set by law, reduced reserves, reserves, secondary guarantee, underlying reserve approach
By Ed Hinerman on October 21, 2011
When you’re over 50 life insurance offers start coming from everywhere. Final Expense insurance. Burial life insurance. The truth is that the senior life insurance market is the most hammered niche in the industry. Why? They think they can push our buttons when we turn 50 and make us believe that our insurance need has ...read more
Posted in AARP, Burial insurance, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance | Tagged AARP, Burial insurance, cash value, Colonial Penn, final expense insurance, insurance, life insurance, no exam, no health questions, over 50 life insurance, overpriced, playing to fears, scare tactics, senior life insurance, whole life insurance
By Ed Hinerman on August 18, 2010
When a person gets into their 60′s, 70′s and above there is a real life insurance industry tendency to try to shove them into the final expense market, even at a time when people are working longer and have larger needs than most final expense policies offer. So let’s break this down and look at ...read more
Posted in AARP, insurance, life insurance, senior life insurance, term insurance, whole life | Tagged AARP, conversion, exam, final expense insurance, grandchildren, guaranteed, insurance, life insurance, Minnesota Life, New York Life, no exam, not guaranteed, retirement, senior life insurance, term insurance, whole life insurance
