by Ed Hinerman | Jan 21, 2010 | conversion, insurance, life insurance, West Coast Life
The reversal in direction and trend that started at the first of last year is continuing with West Coast Life being the most recent to announce that term insurance rates will be increasing. I’m not overly concerned about the term rate increase but I do continue...
by Ed Hinerman | Oct 29, 2009 | diabetes, insurance, life insurance
So, you have this life insurance policy and you don’t know if it’s a good deal or not, but it’s in force. That’s a good thing and actually far better than most folks have done. But what if there is a better deal out there? I am amazed at the...
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 13, 2009 | insurance, life insurance, term insurance, universal life
When it comes to universal life insurance policies that question could be asked both of the people who own the policies and the companies that sold them. We are currently collaborating on an article that will hopefully bring the picture into focus, that picture...
by Ed Hinerman | Jul 2, 2009 | insurance, life insurance, universal life
It’s certainly not breaking news. But it has been important and timely and will remain important and timely for many years. A very high percentage of the universal life policies in force today are in trouble due to the abhorrent sales pitches of those life...
by Ed Hinerman | Jan 24, 2007 | insurance quotes, life insurance, term insurance, universal life
How refreshing to not hear Term vs Whole Life. The question is how to decide which product is appropriate for your family protection. A simple rule of thumb would go something like this. If you can determine (approximately) the point in the future when you won’t...
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