by Ed Hinerman | Jul 27, 2011 | AARP, final expense life insurance, insurance, life insurance, no exam
I know that you know that I seem to have a real case of the can’t shut ups when it comes to the New York Life / AARP life insurance program, but AARP is so in the face of our country and especially the elderly among us, well, it’s become kind of personal....
by Ed Hinerman | Apr 9, 2011 | AARP, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
A few years ago I shopped for final expense life insurance just to see what was available and being pushed. I knew there was a propensity in the industry to push some really overpriced, under guaranteed products as senior life insurance. I just wanted to experience...
by Ed Hinerman | Dec 16, 2010 | AARP, guarantee, insurance, life insurance
Occasionally I review old posts to update or delete them and sometimes I run across one that I can remember writing. I feel my anxiety disorder getting pumped up. I feel my blood pressure rise and, well, I repost it. From 2008!! With each new magazine or bulletin, my...
by Ed Hinerman | Jun 8, 2010 | conversion, insurance, life insurance
It’s become all too apparent over the years that most clients buy life insurance, whether term insurance or permanent, put it in the cabinet and because they never hear from their agent again, there is never an evaluation to make sure it meets your needs as well...
by Ed Hinerman | Feb 9, 2010 | guarantee, insurance, life insurance, term insurance
Life insurance companies, even highly rated companies, come and go. While some sell their blocks of business because they’re not competitive anymore, many decide to sell because another company offers them a huge amount of money. Protective Life made the board...
by Ed Hinerman | Jan 21, 2010 | conversion, insurance, life insurance, West Coast Life
The reversal in direction and trend that started at the first of last year is continuing with West Coast Life being the most recent to announce that term insurance rates will be increasing. I’m not overly concerned about the term rate increase but I do continue...
by Ed Hinerman | Oct 19, 2009 | conversion, insurance, life insurance, West Coast Life
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...
by Ed Hinerman | Oct 9, 2009 | guarantee, insurance, life insurance, universal life
At a time when large financial institutions seem to be all about blatantly bilking their customers, as in Wells Fargo just announcing a 3% increase in already stupid high credit card rates, life insurance companies continue to act innocent in the face of evidence that...
by Ed Hinerman | Oct 8, 2009 | conversion, guarantee, insurance, life insurance
I am and always will be all about guarantees in life insurance. The job it is purchased for is simply far to important to leave up to the whims of the economy or the company. In the absence of contractually guaranteed rates, the company has the right to change your...
by Ed Hinerman | Aug 13, 2009 | insurance, life insurance, term insurance, universal life
When it comes to universal life insurance policies that question could be asked both of the people who own the policies and the companies that sold them. We are currently collaborating on an article that will hopefully bring the picture into focus, that picture...
by Ed Hinerman | Jul 7, 2009 | insurance, life insurance, universal life
I received an email from North American Life today touting their indexed universal life products as the second coming of the 1980’s. I can’t believe that life insurance companies still lean on agents to push non guaranteed assumptions on unsuspecting...
by Ed Hinerman | Jul 2, 2009 | insurance, life insurance, universal life
It’s certainly not breaking news. But it has been important and timely and will remain important and timely for many years. A very high percentage of the universal life policies in force today are in trouble due to the abhorrent sales pitches of those life...
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