by Ed Hinerman | Aug 24, 2019 | life insurance, return of premium UL, term insurance, universal life
“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...
by Ed Hinerman | Sep 21, 2018 | cash value, indexed universal life, insurance, life insurance, universal life
The Wall Street Journal recently posted an article titled, “Universal Life Insurance, a 1980s Sensation, Has Backfired”. Now I have become keenly aware over the years that very few people really take my blog to heart unless the run into a post that is an...
by Ed Hinerman | Mar 12, 2017 | indexed universal life, insurance, lapse, life insurance, life insurance non taxable, lifetime guaranteed UL, over 50 life insurance, retirement life insurance, term insurance, universal life, variable 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....
by Ed Hinerman | Nov 16, 2016 | guarantee, guaranteed level premium, insurance, life insurance, term insurance, universal life
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...
by Ed Hinerman | Nov 15, 2016 | indexed universal life, insurance, life insurance, universal life, variable universal life
In a press release today Voya Life Insurance announced that they will no longer be offering term life or any product with a life time guarantee, essentially gutting the company of the most cost effective and useful products in their portfolio. Voya, aka Reliastar, aka...
by Ed Hinerman | Oct 31, 2016 | assumptions, guarantee, indexed universal life, insurance, life insurance, universal life
The Motley Fool recently added more fuel to the fire that will, a lot of us believe, leave indexed universal life insurance in the same historical pile of ashes and rubble that variable universal life and traditional universal life started. I’ve asked over and...
Recent Comments