Browse: Home / final expense life insurance
By Ed Hinerman on May 5, 2012
I just got my monthly reminder from AARP that I have not yet purchased that life insurance through the AARP Life insurance program that I inquired about 5 years ago, and I haven’t talked about senior life insurance or final expense life insurance for a while so I thought this might be a good chance ...read more
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By Ed Hinerman on October 21, 2011
When you’re over 50 life insurance offers start coming from everywhere. Final Expense insurance. Burial life insurance. The truth is that the senior life insurance market is the most hammered niche in the industry. Why? They think they can push our buttons when we turn 50 and make us believe that our insurance need has ...read more
Posted in AARP, Burial insurance, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance | Tagged AARP, Burial insurance, cash value, Colonial Penn, final expense insurance, insurance, life insurance, no exam, no health questions, over 50 life insurance, overpriced, playing to fears, scare tactics, senior life insurance, whole life insurance |
By Ed Hinerman on August 30, 2011
I wrote a post some time ago less than nicely titled “Burial Insurance is Stupid”. I make myself laugh I’m so opinionated sometimes, but this article was not one of those laughable moments. I take very seriously those things that treat those seeking senior life insurance downright wrong. That was written over two years ago ...read more
Posted in Burial insurance, final expense life insurance, guaranteed issue life insurance, insurance, life insurance | Tagged approved policy, Burial insurance, final expense life insurance, guaranteed issue policy, insurance, life insurance, MIB, no exam life insurance, senior life insurance, traditional life insurance |
By Ed Hinerman on August 24, 2011
For many families in the economy of the past five years the question has changed from when retirement will come to how long a person can work. Along with that change, the question of what life insurance portfolio structure is most prudent for seniors has changed dramatically. We all remember the good old days when ...read more
Posted in final expense life insurance, insurance, life insurance, over 50 life insurance, term insurance | Tagged final expense life insurance, financial planning, income for life, insurance, life insurance, lifetime income, over 50 life insurance, over 60 life insurance, retirement age, retirement options, retirement packages, senior life insurance |
By Ed Hinerman on July 27, 2011
I know that you know that I seem to have a real case of the can’t shut ups when it comes to the AARP/New York Life, 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. And let’s be real. ...read more
Posted in AARP, final expense life insurance, insurance, life insurance, no exam | Tagged AARP, illegal, insurance, life insurance, life time guarantee, New York Life, no exam, non guaranteed, permanent life insurance, ripoff |
By Ed Hinerman on July 15, 2011
The life insurance industry, at least the final expense life insurance industry would certainly love for you to believe that over 50 life insurance is a minefield with disaster written all over it. Suddenly you must be perceived as a greater life insurance risk as the advertising targeted toward us shifts from getting $500,000 for ...read more
Posted in AARP, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance | Tagged $25 challenge, AARP/New York Life, Colonial Penn, final expense life insurance, health questions, insurance, life insurance, no exam, over 50 life insurance, senior life insurance |
By Ed Hinerman on June 15, 2011
After being beat up yesterday by a final expense life insurance agent that didn’t like my opinion of final expense insurance companies, I’m feeling the need to vent. Folks, this is all about life insurance customer service, where the customer comes first and if the agent can’t do the very best thing possible for a ...read more
Posted in bait and switch, final expense life insurance, Independent agent, insurance, life insurance | Tagged affordable insurance, budget, captive agents, clients misled, customer service, declined, ethically, impaired risk, independent agents, insurance, life insurance, life insurance cash value, poorly served, success rate |
By Ed Hinerman on June 14, 2011
I wrote an article for Agent Sales Journal in their June magazine titled, “Would you sell that to your mother?” ASJ is an industry magazine and online presence that allows agents to share their opinions. I’ve had several calls from agents since writing the article, all except one wanting to know more about how I ...read more
Posted in final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance | Tagged cash value, final expense life insurance, insurance, life insurance, lifetime guarantee, over 50 life insurance, senior life insurance, whole life |
By Ed Hinerman on April 21, 2011
Does that sound like a desperate person looking for final expense life insurance? Well, the companies hope so, but that is really the stance of the companies wanting to bank the policies of seniors willing to overpay for life insurance. It’s certainly not news that I have a bone to pick with final expense life ...read more
Posted in final expense life insurance, insurance, life insurance, senior life insurance | Tagged final expense life insurance, insurance, life insurance, senior life insurance, Settler's Life |
By Ed Hinerman on April 9, 2011
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 first hand how bad these products were and how ...read more
Posted in AARP, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance | Tagged 5 year term insurance, AARP, final expense life insurance, guaranteed, insurance, life insurance, lifetime guarantee, New York Life, non guaranteed, over 50 life insurance, senior life insurance |