by Ed Hinerman | Mar 25, 2019 | life insurance
For those of you who have followed this forum long enough you may think I hate when you want to sell your life insurance policy to a life settlement company. OK, it is true that my first take on life settlements eight or so years ago was harsh. I didn’t trust...
by Ed Hinerman | Aug 20, 2014 | conversion, insurance, life insurance, no lapse guarantee, term insurance, universal life
Genworth Life and Annuity, formerly First Colony, issued a statement today saying that as of Steptember 2, 2014 they will be raising rates on their Genguard No Lapse universal life conversion product by 50% to 60%. This is really no big deal unless you happen to own a...
by Ed Hinerman | Jan 6, 2012 | insurance, life insurance, life settlements
Quoting Senator Bill Nelson from 2002, “Buying lottery winnings and life insurance policies has become a routine practice. Buying veterans’ retirement and disability benefits, however, has the semblance of predatory lending…” OK. Let’s...
by Ed Hinerman | May 14, 2010 | insurance, life insurance, life settlements
The used car lot of the life insurance business. The lot where the worse shape the trade is in, the higher the trade in value. The market I’m talking about is what I believe is going to end up being the life insurance industry’s biggest black eye and...
by Ed Hinerman | Nov 23, 2009 | insurance, life insurance, term insurance
I watched Dennis the Menace the other night and early on in that film it was clear that Mr Wilson would have preferred to have $100,000 in his pocket and no Dennis as a neighbor. That’s probably a bit harsh, but the answer as to why he couldn’t have that...
by Ed Hinerman | Jun 2, 2009 | insurance, life insurance, life settlements
I’ve never minced words about what a horrible idea life settlements are. A life settlement is when you sell the ownership of a life insurance policy on yourself for some amount of money, and they are then the owner and beneficiary when you die. Personally my...
by Ed Hinerman | Jun 2, 2009 | diabetes, insurance, life insurance, term insurance
No, no. I don’t really think I’m special. Family nickname and joke. “Ed’s done so well they named an entire school curriculum after him.” Ha Ha! Today I want to reflect on this, my 1000th post, and the journey and events of the last 2 1/2...
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