by Ed Hinerman | May 1, 2017 | conversion, Conversion to a permanent product, insurance, life insurance
I have been known to be something of a zealot when it comes to my opinions on life insurance companies that treat their loyal customers poorly, but I am also a zealot when it comes to great BBQ. I think it gives me credibility that I’m not grumpy about...
by Ed Hinerman | Jun 23, 2011 | conversion, insurance, life insurance
I contacted the NAIC, National Association of Insurance Commissioners about the general issue of consumer abuse through conversion option changes. A trusted source at the NAIC was kind enough to reply and ask me to send specific questions “Thanks so much for...
by Ed Hinerman | Apr 6, 2011 | final expense life insurance, insurance, life insurance, second to die insurance
A client of mine called today in response to a blog post I had written about the current state of estate preservation life insurance and exemption laws. After reviewing his situation I concurred with his estate attorney that he should look at acquiring a 2nd to die...
by Ed Hinerman | Oct 9, 2009 | guarantee, insurance, life insurance, universal life
At a time when large financial institutions seem to be all about blatantly bilking their customers, as in Wells Fargo just announcing a 3% increase in already stupid high credit card rates, life insurance companies continue to act innocent in the face of evidence that...
by Ed Hinerman | Aug 26, 2009 | insurance, life insurance, rate increase
This is actually a little hard to get used to. After 10-15 years of term insurance rates trending downward, that isn’t the case anymore. While we haven’t seen any alarming increases in term insurance rates, one company after another is turning the corner...
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