by Ed Hinerman | Nov 22, 2012 | application process, estate taxes, executives, financial adviser, guarantee, guaranteed level premium, high net worth, insurance, life insurance, no lapse guarantee, universal life
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!...
by Ed Hinerman | Nov 7, 2012 | budget, cash value, high net worth, indixed universal life, insurance, life insurance, no lapse guarantee, rate increase, universal life, variable universal life, whole life
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...
by Ed Hinerman | Apr 3, 2012 | conversion, Independent agent, insurance, life insurance, term insurance, West Coast Life, whole life
If I’ve gone a month in the last three years without talking about conversion options and the mean spirited way some life insurance companies have treated it, forgive me. There is nothing I am quite so passionate about as beating the ugly truth completely to...
by Ed Hinerman | Jul 6, 2011 | accelerated death benefit, conversion, insurance, life insurance
A few days ago I was on a bit of a rip over the subjects of conversion privileges and how far too many companies are changing products offered to non guaranteed UL’s, rather than permanent products. The answer lies somewhere in a slight of hand the companies are...
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 | Jun 22, 2011 | conversion, insurance, life insurance, term insurance, universal life
I got a company memo today, that in light of all of the companies who have gone the wrong direction in the last year, caught my eye. “Delivering on Promises”. I wasn’t even sure what it was going to be about but I was pretty sure this would be...
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