by Ed Hinerman | Oct 17, 2013 | Active Duty Military Life Insurance, insurance, insurance quotes, life insurance, life insurance approval, life insurance claim, Met Life
As much as I’m not a huge fan of the Met Life active duty life insurance stance, after these past few weeks, for those who qualify, it might be worth considering. My gripe with the way they offer their life insurance program for active duty military is that they...
by Ed Hinerman | Jun 25, 2013 | Active Duty Military Life Insurance, application process, family history, insurance, insurance quotes, life insurance, life insurance approval, Met Life, military
Me pass up an opportunity to question a life insurance company stance at the very core of its’ self proclaimed heart? Not on your life or over my dead body. USAA and MetLife are the self proclaimed most patriotic life insurance companies in the country. They...
by Ed Hinerman | Jun 21, 2011 | accelerated death benefit, death benefit, insurance, life insurance
A few days ago I wrote a post about a blog comment concerning a person who was looking into the accelerated death benefit on their Met Life group policy. Her husband is terminally ill and they remembered that they could take a portion of the death benefit up front....
by Ed Hinerman | Jun 17, 2011 | accelerated death benefit, death benefit, insurance, life insurance
I have written several posts about the life insurance accelerated death benefit. As a refresher the practice of offering a partial accelerated benefit to terminally ill clients came about as a way to put some real dirt bags out of business. The bags would prey on...
by Ed Hinerman | Jul 28, 2010 | beneficiary, insurance, life insurance
I’m a fan of sorts of National Public Radio. They take the time to talk about a lot of topics that regular radio and television really don’t find profitable and I love to catch “All Things Considered” when I’m traveling. I would...
by Ed Hinerman | Apr 2, 2010 | AIG, insurance, life insurance, Met Life
AIG, parent company of American General Life Insurance, has been a topic of much discussion and disdain after being bailed out to the tune of $180+ billion by the US Government. As American General customers have called in concerned over having their life insurance...
by Ed Hinerman | Feb 4, 2010 | insurance, life insurance, universal life, whole life
In working with a planned giving department of a major university on their life insurance program, I advised their lead attorney that a critical place for them to start is a complete review of the insurance policies that are already on the books. I’ve screamed...
by Ed Hinerman | Sep 30, 2009 | insurance, life insurance, Met Life
I got this email just recently: Hi Mr. Hinerman: I have been reading your blog for some time. Just curious, why do I never see MetLife, my company, among your quotes? If you haven’t checked us out in a while you might want to try. Our rating guide for CAD has...
by Ed Hinerman | Jun 12, 2009 | insurance, life insurance, TIAA
This is a question that comes up occasionally. Usually someone wants to bind new coverage because the price just went up on their old policy, or because they want something in force for business purposes or due to upcoming travel. The old way of “binding”...
by Ed Hinerman | May 7, 2009 | insurance, John Hancock, life insurance, Met Life, term insurance, universal life, whole life
Can you say fire sale? I just got notice of yet another term insurance price increase, this time from American National, and it appears that the rebound from the lowest prices in history are picking up steam. I know all of the whole life agents that like to attempt to...
by Ed Hinerman | May 6, 2009 | accelerated death benefit, conversion, insurance, life insurance, Met Life, Protective Life, term insurance, universal life, whole life
Last week I talked about a case with Met Life where a person was able to use the met-life-external-conversion program in order to convert to a policy that had an accelerated benefit rider. Their company didn’t have the benefit and the person was terminally ill...
by Ed Hinerman | May 1, 2009 | accelerated death benefit, conversion, death benefit, insurance, life insurance, Met Life, universal life
I heard a story about a Met Life case today that just inspired me. Life insurance companies quite often do things they don’t necessarily have to, like paying a claim when the validity could probably be argued. I’ve talked in previous posts about universal...
by Ed Hinerman | Apr 30, 2009 | AIG, insurance, life insurance, Met Life, term insurance
Let’s face it. If you want to turn a few stomachs in a discussion about the recession all you have to do is throw out the name AIG, the epicenter of the current economic meltdown. AIG owns life insurance giant American General. So, if you can control your gag...
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