by Ed Hinerman | Jun 24, 2015 | approval, breast cancer, cancer, impaired risk life insurance, insurance, John Hancock, life insurance, life insurance approval, life insurance underwriting, melanoma, prostate cancer, PSA
No, not the real man. He was by all reports a real stand up guy, but unfortunately there isn’t a requirement when a company uses your name that they have to portray the same characteristics. A few years back John Hancock Life Insurance made some bold, but well...
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 | 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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