by Ed Hinerman | Jan 21, 2012 | AARP, insurance, life insurance, New York Life, Prudential, ratings
I had emailed some quotes off to a client this week with Genworth Life and Annuity, a major player in no lapse guarantee UL’s and in this case the best rate class offer I had received when shopping the case. She went on line and found out that Genworth has been...
by Ed Hinerman | Aug 21, 2010 | insurance, life insurance, liver functions
Liver function tests have been the nemesis of life insurance underwriting for as long as I’ve been in the business and the source of a tremendous number of unfair ratings and declines on applications. Because of a long held leap of assumption that elevated liver...
by Ed Hinerman | Apr 17, 2009 | life insurance, ratings
First published 4/17/2009, updated 11232109 Since the economic meltdown of 2008 more people have asked if the life insurance companies I recommend are financially sound. Fair question! Here at Hinerman Group we use A.M. Best as the benchmark for what companies we...
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