by Ed Hinerman | Feb 2, 2012 | conversion, insurance, life insurance, universal life, whole life
I’m on about my 15th drum now. I’ve beat so many of them to death about life insurance guarantees that I have a restraining order keeping me away from the local drum shop. Life insurance companies have been selling assumptions on whole life and universal...
by Ed Hinerman | Dec 23, 2010 | guarantee, insurance, life insurance
In the last six or seven years NY life insurance has managed to lift itself out of the dark ages, and while still not as robust and open as the other 49 states, progress is still progress. I remember back when I first got licensed in all the states it didn’t...
by Ed Hinerman | Nov 9, 2010 | conversion, insurance, life insurance, term insurance, universal life
When all of the sub prime mortgages started going south life as we knew it changed, big time. The American dream became the good old days in just a matter of months. I wonder if someone had shouted loud enough or provided disclaimers scary enough before the loans if...
by Ed Hinerman | Sep 21, 2010 | insurance, life insurance, whole life
John Hancock announced today that sales of their Protection Whole Life product will be temporarily suspended “due to the ongoing low interest rate environment”. Protection Whole Life has a guaranteed interest rate of 5%, slightly higher than industry...
by Ed Hinerman | May 21, 2010 | insurance, life insurance, universal life
I was discussing indexed universal life insurance products with another agent today and our combined conclusion is that most of the companies that are offering it seem to have forgotten that bad things can happen in our country’s economy. But just for the sake...
by Ed Hinerman | Oct 6, 2009 | estate taxes, insurance, life insurance
As we crash toward the end of the year and one of the wackiest decades in a while, accountants for the high net worth and famous are all armed with the same good advice. 2010 is a good year to die, at least so far. What started in 2001 as one of the best tax code...
by Ed Hinerman | Jul 30, 2009 | insurance, life insurance, universal life, variable universal life, whole life
In preparing to help write an article about the catastrophic meltdown of traditional universal life insurance policies I was seeking some industry assistance in nailing down approximately what percentage of the total number of UL’s were in danger of imploding....
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!
Recent Comments