by Ed Hinerman | Nov 21, 2016 | compliance, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes, Type 2 diabetes
I suppose with that title this post could go about any direction, but what I had in mind was life insurance as affected by type 1 and type 2 diabetes. Both types of diabetes, given optimal age of onset, current age and control as measured by your quarterly A1c...
by Ed Hinerman | Nov 16, 2016 | guarantee, guaranteed level premium, insurance, life insurance, term insurance, universal life
Following up on my post yesterday about Voya Life Insurance’s decision to do away with all of their guaranteed term and universal life products and in recognition of their self declared 2016 Most Ethical Company status, I have just a few more points that I think...
by Ed Hinerman | Nov 15, 2016 | indexed universal life, insurance, life insurance, universal life, variable universal life
In a press release today Voya Life Insurance announced that they will no longer be offering term life or any product with a life time guarantee, essentially gutting the company of the most cost effective and useful products in their portfolio. Voya, aka Reliastar, aka...
by Ed Hinerman | Nov 14, 2016 | indexed universal life, insurance, life insurance
Like a shark circling some feast in the ocean, Merle Gilley, self professed genius of the indexed universal life market has decided to take a bite out of every “average” American’s assets if they make under $100,000 a year. You may remember the last...
by Ed Hinerman | Nov 3, 2016 | business life insurance, executives, Foreign National Life Insurance, high net worth, insurance, life insurance
When it comes to obtaining life insurance in Latin America no company can match the financial strength, product portfolio and underwriting expertise of Pan American Life Insurance. In business for that very purpose for over 100 years Pan American continues to be the...
by Ed Hinerman | Nov 1, 2016 | breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer
Let me start by saying that I’ve got good news and other news when it comes to life insurance underwriting of cancers, whether something simple like early stage and grade melanoma or early stage insitu breast cancer to later stage bladder cancer or colon cancer...
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