By Ed Hinerman on July 18, 2012
I had a gentleman call me the other day to see what he could do about the mess his life insurance had ended up in. 10 years ago his agent converted his term insurance policy, at that time a Kemper policy and now a Protective Life policy. This man explained to the agent exactly what ...read more
Posted in assumptions, conversion, guarantee, insurance, life insurance, term insurance, universal life | Tagged agent told him guaranteed permanent, agents have to be held accountable, annual statement of cost and benefits, assumptions not guarantees, based on assumptions, companies have to be held accountable, conversion, duped by unscrupulous agent, fraud, insurance, life insurance, misrepresentation, negligence, Ohio state insurance commission, senior adult transaction, term insurance, traditional universal life insurance, universal life insurance
By Ed Hinerman on April 24, 2012
It’s an interesting view from here. I’m not sure what the equivalent would be for someone who doesn’t write almost daily for years. Maybe just looking back at pictures of how you’ve changed? I’ve picked out half a dozen blog posts from the beginnings over 5 years ago. One thing has remained the same. I ...read more
Posted in guarantee, Independent agent, insurance, insurance quotes, life insurance, universal life, variable universal life | Tagged adjustable rate mortgages, great chance of losing money, horrible advice, insurance, knowing the facts, life insurance, life insurance feeding frenzy, life insurance policies at risk, Mitt Romney, new agents, offer a product that wouldn't self destruct, passionate about life insurance, path of policy destruction, prices skyrocket to unaffordable levels, sold on a non guaranteed basis, traditional universal life insurance, universal life insurance, universal life insurance quotes, universal life reviewed
