"Change is the only constant in life" according to Heraclitus. Never met the guy but he definitely hit the nail on the head. And then Robert Burns doubled down on the thought with "The best-laid plans of mice and men often go awry". Term or permanent life insurance?...
Should Financial Ratings Drive My Decison About Life Insurance Companies?
by Ed Hinerman | Jan 21, 2012 | AARP, insurance, life insurance, New York Life, Prudential, ratings
I had emailed some quotes off to a client this week with Genworth Life and Annuity, a major player in no lapse guarantee UL’s and in this case the best rate class offer I had received when shopping the case. She went on line and found out that Genworth has been...Let’s Talk Life Insurance Company Ratings!
by Ed Hinerman | Apr 17, 2009 | cash value, insurance, life insurance, ratings, universal life, whole life
With the economic meltdown and/or recession and/or whatever is going on, the question of life insurance company ratings and their financial stability has received its’ fair share of scrutiny. In an effort to demystify some of the ratings stories and bring some...Recent Posts
Archives
- August 2019
- May 2019
- April 2019
- March 2019
- February 2019
- December 2018
- November 2018
- October 2018
- September 2018
- May 2018
- April 2018
- March 2018
- February 2018
- January 2018
- December 2017
- November 2017
- October 2017
- August 2017
- July 2017
- May 2017
- April 2017
- March 2017
- February 2017
- January 2017
- December 2016
- November 2016
- October 2016
- September 2016
- August 2016
- July 2016
- June 2016
- May 2016
- April 2016
- March 2016
- February 2016
- January 2016
- December 2015
- November 2015
- October 2015
- September 2015
- August 2015
- July 2015
- June 2015
- May 2015
- April 2015
- March 2015
- February 2015
- January 2015
- December 2014
- November 2014
- October 2014
- September 2014
- August 2014
- July 2014
- June 2014
- May 2014
- April 2014
- March 2014
- February 2014
- January 2014
- December 2013
- November 2013
- October 2013
- September 2013
- August 2013
- July 2013
- June 2013
- May 2013
- April 2013
- March 2013
- February 2013
- January 2013
- December 2012
- November 2012
- October 2012
- September 2012
- August 2012
- July 2012
- June 2012
- May 2012
- April 2012
- March 2012
- February 2012
- January 2012
- December 2011
- November 2011
- October 2011
- September 2011
- August 2011
- July 2011
- June 2011
- May 2011
- April 2011
- March 2011
- February 2011
- January 2011
- December 2010
- November 2010
- October 2010
- September 2010
- August 2010
- July 2010
- June 2010
- May 2010
- April 2010
- March 2010
- February 2010
- January 2010
- December 2009
- November 2009
- October 2009
- September 2009
- August 2009
- July 2009
- June 2009
- May 2009
- April 2009
- March 2009
- February 2009
- January 2009
- December 2008
- November 2008
- October 2008
- September 2008
- August 2008
- July 2008
- June 2008
- May 2008
- April 2008
- March 2008
- February 2008
- January 2008
- December 2007
- November 2007
- October 2007
- September 2007
- August 2007
- July 2007
- June 2007
- May 2007
- April 2007
- March 2007
- February 2007
- January 2007
Categories
- A1c
- AARP
- abnormal ekg
- abnormal labs
- ACA
- accelerated death benefit
- accidental death
- Active Duty Military Life Insurance
- acts of war or terrorism
- actual age
- ADHD
- adverse selection
- age nearest
- AIG
- Alcohol Treatment Life Insurance
- American Diabetes Association
- angioplasty
- Anxiety
- application process
- appropriate life insurance recommendation
- approval
- arrythmia
- arthritis
- assumptions
- asthma
- atrial fibrillation
- attending physician statement
- Attention Deficit Disorder
- backdating to save age
- bad customer service
- bait and switch
- Banner Life
- basal cell carcinoma
- beneficiary
- biblical
- Biggest Loser
- bipolar
- bipolar disorder
- blood pressure
- BMI
- breast cancer
- budget
- build
- Burial insurance
- business life insurance
- buy/sell life insurance
- bypass surgery
- cancer
- Cannabis business life insurance
- cash value
- CDT alcohol marker
- CEO life insurance
- children's life insurance
- cholesterol
- cigar smokers
- civilian contractors
- Civilian War Zone Coverage
- claim
- climbing
- clinical underwriting
- cognitive understanding
- commercial fisherman life insurance
- compliance
- conditional receipt
- contestability
- contestability period
- contingent beneficiary
- contractual understanding
- conversion
- Conversion to a permanent product
- coontrol of impairment
- COPD
- coronary artery disease (CAD)
- court ordered life insurance
- cpap
- customer service
- dangerous occupation life insurance
- Dave Ramsey
- death benefit
- decline
- Depression
- diabetes
- disability
- disability income
- doctor's recommendation
- Drug Treatment Life Insurance
- DUI
- e-cigarette life insurance
- ejection fraction
- epilepsy
- estate tax attorney
- estate taxes
- Ex Patriot life insurance
- exclusions
- executives
- family history
- Fat March
- final expense life insurance
- financial adviser
- Foreign National Life Insurance
- foreign nationals
- foreign travel
- Gap medical insurance
- gastric bypass
- grace period
- grandparent life insurance
- group life insurance
- guarantee
- guaranteed issue life insurance
- guaranteed issue medical insurance
- guaranteed level premium
- hazardous activities
- HDL
- Health insurance
- heart attack
- heart disease
- height and weight
- Hep C Cure
- hepatitis
- high blood pressure
- High Limit AD and D
- high net worth
- HIV business life insurance
- HIV life insurance
- HIV Positive
- honesty
- hypertension
- illustration
- impaired risk life insurance
- income replacement
- income taxable
- incontestability
- Independent agent
- indexed universal life
- indixed universal life
- Infinite banking
- ING Reliastar
- insurable interest
- insurance
- insurance quotes
- International Business insurance
- international medical insurance
- John Hancock
- Juvenile life insurance
- key man insurance
- kidnap
- lab results
- lapse
- last minute life insurance
- life insurance
- life insurance approval
- life insurance claim
- life insurance claim process
- life insurance exam
- life insurance for gay couples
- life insurance lapse
- life insurance non taxable
- life insurance reinstatment
- life insurance replacement
- life insurance second addressee
- life insurance underwriting
- life partner
- life settlements
- lifetime guaranteed UL
- Lincoln National
- liver functions
- Lloyds of London
- Loan collateral life insurance
- long term care
- Long term care rider
- long term guarantee
- loyal customers
- LVEF
- major depressive disorder
- Marijuana business life insurance
- marijuana use
- Medical Information Bureau
- medical insurance
- medical record acquisition
- medical records life insurance
- melanoma
- Met Life
- military
- missionaries
- mood disorder life insurance
- mortality
- mortality risk
- motorcycle
- mountain climbing
- multiple sclerosis
- New York Life
- no exam
- no lapse guarantee
- non compliance with doctor
- obesity
- osteoarthritis
- over 50 life insurance
- over 60 life insurance
- Pan American Life Insurance
- partnership business life insurance
- past due life insurance premium
- personal life insurance
- physicians life insurance
- pilot
- police
- policy
- prayer
- private pilots
- professional athlete life insurance
- professional athletes
- professional car racing
- prostate cancer
- prostate cancer watchful waiting
- Protective Life
- Prudential
- PSA
- ransom
- rate increase
- ratings
- reconsideration
- reinstatement
- replacement
- replacement of income
- retirement life insurance
- return of premium term insurance
- return of premium UL
- rheumatoid arthritis
- scuba diving
- second to die insurance
- seizure disorder
- senior life insurance
- shopping for the best life insurance
- Short term major medical
- simplified issue life insurance
- skin cancer life insurance
- skydiving
- Sleep apnea
- smoking
- squamous cell carcinoma
- stress
- stroke
- student pilot
- suicide clause
- suze orman
- Telelife
- term insurance
- terrorism
- TIAA
- tobacco use change
- traumatic brain injury
- travel insurance
- Type 1 diabetes
- Type 2 diabetes
- Uncategorized
- underwriting change
- uninsurable
- universal life
- variable universal life
- West Coast Life
- whole life
- women
Recent Comments