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Unique Way To Get Out Of Collapsing Universal Life!

I don’t think there is a topic I have ranted and raved about more than the universal life insurance products with non guaranteed cash value features that are collapsing left and right due to the low interest environment imposed by the Fed over the last 15 years....

Are They All Created Equal? Duh, No!

I just wanted to share a few examples of why it’s important to shop every impaired risk life insurance application for sure and not a bad idea to shop all cases. I’ve beat on this over the years because so many life insurance agents out there are willing...

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...

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...

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...

Thinking Term Conversion? Think Quick!!

Look! It’s a bird! It’s a plane! Naw, it’s just that Hinerman guy yelling about the life insurance conversion sky falling again. But in my defense consider these events and then consider listening this time. 1. Protective Life did away with their no...

The Life And Death Of Life Insurance Conversions, Part 1

If you would have told me 10 years ago that I would be writing a blog talking about the end of one of the most important features of a term life insurance policy, the ability to convert to a permanent life insurance policy, I would have probably laughed at the idea....

Protective Life Not A Wonderful 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...