by Ed Hinerman | Feb 2, 2012 | conversion, insurance, life insurance, universal life, whole life
I’m on about my 15th drum now. I’ve beat so many of them to death about life insurance guarantees that I have a restraining order keeping me away from the local drum shop. Life insurance companies have been selling assumptions on whole life and universal...
by Ed Hinerman | Feb 1, 2011 | estate taxes, insurance, life insurance, Protective Life, rate increase, second to die insurance, universal life
I wrote an estate life insurance case 6 or so years ago that if you put a pencil to the numbers you would swear that the company had made a huge mistake. There was simply no feasible way for them to make a profit. The case was with Protective Life who, for a while,...
by Ed Hinerman | Jan 29, 2011 | estate taxes, guarantee, insurance, life insurance, universal life
In a post yesterday I insinuated that we may be entering the greatest two years in history for estate wealth building, estate wealth protection and wealth transfer. That statement still stands, but…. I asked Kevin Cox with Lincoln Financial to review the post in...
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