by Ed Hinerman | Sep 21, 2018 | cash value, indexed universal life, insurance, life insurance, universal life
The Wall Street Journal recently posted an article titled, “Universal Life Insurance, a 1980s Sensation, Has Backfired”. Now I have become keenly aware over the years that very few people really take my blog to heart unless the run into a post that is an...
by Ed Hinerman | Oct 26, 2016 | Foreign National Life Insurance, foreign nationals, insurance, insurance quotes, International Business insurance, life insurance, Pan American Life Insurance
I recently became affiliated with Pan American Life Insurance in hopes of making it substantially easier to write business outside the US, with emphasis on the Caribbean, Latin and South America. Although they can and do serve business world wide, logistically because...
by Ed Hinerman | Oct 3, 2016 | application process, guarantee, indexed universal life, insurance, life insurance, rate increase, retirement life insurance, term insurance, universal life
This is the 2015 version of the age old question, why term versus whole life? Some of the answers are the same and some are vastly different, I would say even dangerously different for those who are serious about their needs and just looking for the right product to...
by Ed Hinerman | Aug 31, 2015 | assumptions, bait and switch, cash value, guarantee, guaranteed level premium, indexed universal life, insurance, life insurance, universal life, variable universal life
Not that long I dropped the Trans bomb that, well gosh, they were going to have to the raise the rates on a bunch of their old universal life policies and my reaction was one of those “Don’t tell me I haven’t been telling you for years” things....
by Ed Hinerman | Jul 18, 2012 | conversion, illustration, Independent agent, insurance, life insurance, universal life
As promised in my last post this is a letter written by a 79 year old man in Ohio to the state insurance commissioner. He was sold a conversion on a term policy 10 years ago and was told by the agent that it would be a paid up, guaranteed in force forever policy, in...
by Ed Hinerman | Jul 18, 2012 | assumptions, conversion, guarantee, insurance, life insurance, term insurance, universal life
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...
by Ed Hinerman | Apr 24, 2012 | guarantee, Independent agent, insurance, insurance quotes, life insurance, universal life, variable universal life
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...
by Ed Hinerman | Apr 6, 2011 | final expense life insurance, insurance, life insurance, second to die insurance
A client of mine called today in response to a blog post I had written about the current state of estate preservation life insurance and exemption laws. After reviewing his situation I concurred with his estate attorney that he should look at acquiring a 2nd to die...
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...
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