Term Life Conversion Correction!
In my zeal to trounce on life insurance companies that are doing wrong by their clients I mistakenly posted that Banner Life and American General do not offer a guaranteed permanent product for conversion for customers that have had a policy in force for more than 5 years. Banner’s stated “practice” on conversion is that ...read more
Is Estate Planning Dead?
No, really!! That was the front page headline on and industry publication I get called Insurancenewsnet Magazine. Without even opening up the magazine I know where the rant is headed. Never in the history of estate planning has there been more opportunity to be as creative and accomplish as much. Articles are popping up left ...read more
Wow! What A Year!
From a life insurance perspective. Heck, from just about any perspective this has been one crazy year. But the sky didn’t fall and I think it’s time we put it all in perspective and move on. Term life insurance prices have been in something of a free fall for the last 12 or 13 years. ...read more
West Coast Responds To Charge That They Have Bagged Customer Trust!
A little over a week ago I wrote a post about my email conversation with West Coast Life concerning their decision to do away with fully guaranteed conversion products. I was a bit put off when I got an out of the office email from the marketing vice president explaining that he was out of ...read more
