The definition couldn't be much simpler. Guaranteed issue is a life insurance policy that the company guarantees it will issue and put in force no matter what health conditions you have. Some guaranteed issue life insurance companies have age limitations. Most use 40...
Do You Want Options In Your Life Insurance Duration?
“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...Some More Nails In Voya’s Ethical Coffin!
Following up on my post yesterday about Voya Life Insurance’s decision to do away with all of their guaranteed term and universal life products and in recognition of their self declared 2016 Most Ethical Company status, I have just a few more points that I think...It’s All About The Need!
Term life insurance vs whole life? Term life insurance vs universal life? Term life insurance vs indexed or variable universal life? Term life insurance vs other term life? The life insurance industry has made much of these questions over the years and two things are...Running From Good Customer Service!
Well gosh, it makes no sense to run from good customer service if you’re the customer. Especially a life insurance customer, and I say that for reasons I’ll explain in this post. You want it. It makes you feel respected. You deserve it!! But here’s...Why Term When IUL Is Available?
This is the 2015 version of the age old question, why term versus whole life? Some of the answers are the same and some are vastly different, I would say even dangerously different for those who are serious about their needs and just looking for the right product to...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...Country Club Mentality In Life Insurance!
It’s been interesting over the years to see the amount of money that is thrown away because a life insurance client, not knowing any better, simply buys from the wrong company. When you couple that with the agents, especially in impaired risk life insurance, who...Your Child’s Guaranteed Insurability!
There are really only two reasons to consider life insurance for your children. One would be if a low cost burial policy, as much as most parents would rather not think about that, is easier to manage than actually coming up with burial costs out of pocket rather than...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...Back When Life Insurance Was Cheap!
Ah, the good old days. Milk was 50 cents a gallon. Gas was 25 cents a gallon. A new car was under $2000. And life insurance, well, life insurance was so expensive that people had to pay for it by the week. The good old days of life insurance are where we are. In spite...Final Expense Whole Life In Perspective!
I got a call a few days ago from a couple who are both 74 years old. They have had Protective term life insurance in force for several years and decided to look at converting $25,000 for final expense purposes since their conversion option ends next year. Seeing...Is Genworth Life Screwing Loyal Customers?
Hopefully that got your attention if you have a Genworth Life or First Colony “Colony series” term life insurance policy. The company had to make a business decision about their low cost super competitive term conversion product, the Genguard no lapse...The Hinerman Group
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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