by Ed Hinerman | Sep 28, 2010 | guarantee, guaranteed level premium, John Hancock, life insurance
I’ve written multiple times on the need for guarantees in life insurance. “Make sure the insurance you have has a guaranteed rate for as long as you’re going to need it”……”Don’t buy any insurance that doesn’t have...
by Ed Hinerman | Sep 21, 2010 | insurance, life insurance, whole life
John Hancock announced today that sales of their Protection Whole Life product will be temporarily suspended “due to the ongoing low interest rate environment”. Protection Whole Life has a guaranteed interest rate of 5%, slightly higher than industry...
by Ed Hinerman | Jul 15, 2009 | insurance, life insurance, rate increase, term insurance
As the number of companies grows announcing term insurance rate increases, in the last few weeks another snowball has started rolling down hill that will affect many, especially young adults in their 30’s and 40’s. The most recent trend is companies...
by Ed Hinerman | May 7, 2009 | insurance, John Hancock, life insurance, Met Life, term insurance, universal life, whole life
Can you say fire sale? I just got notice of yet another term insurance price increase, this time from American National, and it appears that the rebound from the lowest prices in history are picking up steam. I know all of the whole life agents that like to attempt to...
by Ed Hinerman | Mar 19, 2009 | insurance, John Hancock, life insurance, Protective Life, Prudential, term insurance, universal life, whole life
With the latest news coming today it is no longer conjecture on my part. The downward trend of the past 15 years in life insurance has hit bottom. ING Reliastar today announced increases in their term insurance rates. I guess the only good news coming from them is...
by Ed Hinerman | Mar 17, 2009 | insurance, John Hancock, life insurance, Protective Life, Prudential, term insurance, universal life
Since the end of 2008 I have been following with detail as rapidly as possible about the changes in the life insurance business. The downward trend in term insurance rates and the higher reserve requirements for universal life NLG policies are changing the landscape...
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