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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...

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...

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...

Four Steps To Life Insurance Approval For HIV+!

Just a month ago there was only one step to getting life insurance if you were HIV positive. You filled out an application for guaranteed issue life insurance and sent in money, lots of money. Guaranteed issue whole life insurance was your only choice and even though...

Why I Still Don’t Trust Indexed Universal Life!

Two and a half years ago, when indexed universal life insurance seemed to be taking over the insurance landscape, I spent considerable time studying the products and then posted my thoughts in this forum. In particular I took great exception to the fact that agents...

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...

Protective Life Insurance! Who Are They Protecting?

Even though Protective and West Coast Life fired me years ago I still get their propaganda and that, along with an almost simultaneous run in with a Protective abusee has once again fired me up again to remind all of you out there who have Protective linked policies,...

Scooped By Wall Street Journal?

For months, no years now I have been writing about and telling clients about the best permanent product on the life insurance market and how, if they drug their feet long enough considering the purchase, a day would come when they would look back and say, “Dang!...

We Don’t Have Four More Years. Act Now On Life Insurance!

Whether there is anything to the Mayan calendar that predicts the end of the world next month or not, there is one thing that is an absolute life insurance fact. Because of actions by the NAIC, National Association of Insurance Commissioners, with the strict...