http://hinermangroup.com/blog/insurance/to-cash-value-or-not-to-cash-value/ The Agency You Can Trust In Life Mon, 28 Jun 2010 15:20:20 +0000 hourly 1 http://wordpress.org/?v=3.0 http://hinermangroup.com/blog/insurance/to-cash-value-or-not-to-cash-value/comment-page-1/#comment-2447 Horbal Fri, 20 Jul 2007 01:41:14 +0000 http://hinermangroup.com/blog/2007/07/19/to-cash-value-or-not-to-cash-value/#comment-2447 Good job Ed...saw this post today in my Google alerts. I'm not sure why anyone would want whole life either, when the no lapse guaranteed ul takes care of the need. Good job Ed…saw this post today in my Google alerts. I’m not sure why anyone would want whole life either, when the no lapse guaranteed ul takes care of the need.

]]> http://hinermangroup.com/blog/insurance/to-cash-value-or-not-to-cash-value/comment-page-1/#comment-2444 Carpenter Thu, 19 Jul 2007 21:40:31 +0000 http://hinermangroup.com/blog/2007/07/19/to-cash-value-or-not-to-cash-value/#comment-2444 You are correct Hinerman. No-lapse guarantee UL's are abundant now, and a reasonably priced way to meet that need of permanent insurance. I am looking to train some new agents in AZ, or that are non-resident licensed in AZ that can do telephone work, with Hinerman's mindset- if anyone can help me out?? You are correct Hinerman. No-lapse guarantee UL’s are abundant now, and a reasonably priced way to meet that need of permanent insurance. I am looking to train some new agents in AZ, or that are non-resident licensed in AZ that can do telephone work, with Hinerman’s mindset- if anyone can help me out??

]]> http://hinermangroup.com/blog/insurance/to-cash-value-or-not-to-cash-value/comment-page-1/#comment-2443 Hinerman Thu, 19 Jul 2007 19:32:44 +0000 http://hinermangroup.com/blog/2007/07/19/to-cash-value-or-not-to-cash-value/#comment-2443 Couldn't disagree more Nikol. There is nothing affordable about whole life and those parents would be better off buying a universal life with a no lapse guarantee and putting the difference between that and a whole life policy into a trust for the child. Why pay more than you need to for a permanent policy? Couldn’t disagree more Nikol. There is nothing affordable about whole life and those parents would be better off buying a universal life with a no lapse guarantee and putting the difference between that and a whole life policy into a trust for the child. Why pay more than you need to for a permanent policy?

]]> http://hinermangroup.com/blog/insurance/to-cash-value-or-not-to-cash-value/comment-page-1/#comment-2438 Nikol Noll Thu, 19 Jul 2007 16:29:28 +0000 http://hinermangroup.com/blog/2007/07/19/to-cash-value-or-not-to-cash-value/#comment-2438 I would like to add that there are situations in which a whole life policy is appropriate. For example, special needs children. Their financial dependence on parents may never be outgrown. Their future needs and lifestyle can be a great concern for ageing parents. A whole life policy is an affordable way to ensure that the child is taken care of, regardless of parents dying prematurely or livng a full life. Nikol I would like to add that there are situations in which a whole life policy is appropriate. For example, special needs children. Their financial dependence on parents may never be outgrown. Their future needs and lifestyle can be a great concern for ageing parents. A whole life policy is an affordable way to ensure that the child is taken care of, regardless of parents dying prematurely or livng a full life. Nikol

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