by Ed Hinerman | May 1, 2009 | accelerated death benefit, conversion, death benefit, insurance, life insurance, Met Life, universal life
I heard a story about a Met Life case today that just inspired me. Life insurance companies quite often do things they don’t necessarily have to, like paying a claim when the validity could probably be argued. I’ve talked in previous posts about universal...
by Ed Hinerman | Apr 27, 2009 | beneficiary, conversion, estate taxes, foreign travel, insurance, life insurance, mortality, mortality risk, private pilots, scuba diving, suicide clause
I did a series of posts last year on life insurance policies and have referred back to those posts on several occasions when explaining some specific clauses and options such as the suicide clause and incontestability clause and the conversion option. Now I would like...
by Ed Hinerman | Apr 1, 2009 | conversion, insurance, life insurance, term insurance, universal life, whole life
I just off off the phone with a man who got laid off and then got blown over when he found out the reality of what it would take to make his group life insurance portable. Since I’ve been in the business, even back when I was big into setting up group plans, I...
by Ed Hinerman | Mar 13, 2009 | accelerated death benefit, conversion, insurance, life insurance, universal life, whole life
I’ve made no secret of my disdain for whole life insurance and the whole cash value is more important than adequate insurance mentality. I was cruising financial news today and saw an article on life insurance and decided to check it out. The article did provide...
by Ed Hinerman | Feb 19, 2009 | AARP, conversion, insurance, life insurance, term insurance, universal life, whole life
There’s something about one of those weeks when I get 10 pieces of mail from AARP touting all of their worn out, rip off products that just makes me want to talk about it. Since my Mom doesn’t care and my wife doesn’t want to hear it again, thanks...
by Ed Hinerman | Dec 18, 2008 | cancer, conversion, Independent agent, insurance, life insurance, term insurance, universal life, whole life
Term insurance policies have a golden egg buried in them call the conversion option. This option allows you to convert all or part of your term insurance policy into a permanent policy without evidence of insurability. This is huge in several ways. Let’s use me...
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