by Ed Hinerman | Mar 26, 2013 | bait and switch, conversion, Conversion to a permanent product, guarantee, guaranteed level premium, insurance, life insurance, lifetime guaranteed UL, loyal customers, over 50 life insurance, term insurance, universal life
We left off the other day with a description of Protective Life’s universal life conversion product, a product that simply defies the imagination. Since they introduced….no wait. They forgot to introduce the product. Since they gave their loyal term...
by Ed Hinerman | Mar 21, 2013 | conversion, guarantee, guaranteed level premium, life insurance, over 50 life insurance, Protective Life, term insurance, universal life, West Coast Life
Even though Protective and West Coast Life fired me years ago I still get their propaganda and that, along with an almost simultaneous run in with a Protective abusee has once again fired me up again to remind all of you out there who have Protective linked policies,...
by Ed Hinerman | Mar 12, 2013 | guarantee, Independent agent, indixed universal life, insurance, life insurance, universal life
I had an agent questioning me about indexed universal life today. He admitted he was a new agent. He also admitted that one of his primary attractions to the product were the high premium and high commission. Call me old fashioned but I emailed back to him and asked...
by Ed Hinerman | Mar 5, 2013 | approval, breast cancer, cancer, decline, impaired risk life insurance, insurance, life insurance, life insurance approval
There are some things, things medical, mental and lifestyle, that some insurance companies may never let go of. 15 or 20 years after the fact it is entirely possible that there are companies that will unflinchingly say no thanks to your life insurance business even...
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