Open 5 Days A Week - 8:00am - 5:00pm      Free Consultation       Guaranteed* results or your first visit is FREE! 866.539.7914 info@hinermangroup.com

When It Makes Sense To Replace Your Life Insurance!

As I was filling out an obnoxiously lengthy New York life insurance replacement form yesterday it occurred to me that replacement, the idea of getting rid of a current policy and replacing it with a new policy has kind of gotten one of those back alley bad raps. State...

Transamerica Life Drops A Big One In The Punch Bowl!

Transamerica Life Insurance, formerly Transamerica/Occidental Life may have just taken over the coveted position in the life insurance industry that Protective Life has held for years, the Turd In The Punchbowl Award. They sent out the this email today announcing that...

OK! Let’s Try This The Old Fashioned Way!

I think I’m finally coming to grips with the fact that the life insurance learning curve isn’t really a curve. It’s more the path of a tether ball. It goes round and round, changing speed, direction and attitude with each full turn and then, BANG, it...

Is It Possible To Do Worse Than Guaranteed?

How appropriate that when I looked up the definition of guarantee I not only got what I expected, but it was a bit like opening a life insurance fortune cookie, “provide a formal assurance or promise, especially that certain conditions shall be fulfilled...

Forget About Life! Buy Retirement Investment Insurance!

Isn’t it true of everything in our lives if we’re over 50, change is happening and with life insurance the companies are making sure it is “Advantage Company” in their tennis match with customers. Having lost count of the number of life...

Why Is Indexed Universal Life So Popular?

Greed strike a chord with you? After years of looking at indexed universal life insurance and hearing all the arguments and seeing all of failures, it occurs to me that the bigger the cash value numbers an agent can show a potential client, whether they are based in...

Does Your CEO Need Cash Value Life Insurance?

There are definitely two schools of thinking on the subject of how to handle executive life insurance, especially key person policies. Just to put this in perspective, I’m kind of an old guy and I would call the idea of using cash value policies to fund key...

Do CEO’s Pay Too Much For Life Insurance?

The CEO or President of a company, other than having more responsibility than most, is just like everyone else in this great country of ours. When it comes to life insurance they are subject to the same unscrupulous or poorly equipped life insurance agents and...