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Why I Still Don’t Trust Indexed Universal Life!

Two and a half years ago, when indexed universal life insurance seemed to be taking over the insurance landscape, I spent considerable time studying the products and then posted my thoughts in this...

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The Life And Death Of Life Insurance Conversions, Part 1

If you would have told me 10 years ago that I would be writing a blog talking about the end of one of the most important features of a term life insurance policy, the ability to convert to a permanent...

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Thinking Term Conversion? Think Quick!!

Look! It’s a bird! It’s a plane! Naw, it’s just that Hinerman guy yelling about the life insurance conversion sky falling again. But in my defense consider these events and then consider listening this...

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Genworth Life And Annuity Raising Life Insurance Rates 60%!!

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...

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Is Genworth Life Screwing Loyal Customers?

Hopefully that got your attention if you have a Genworth Life or First Colony “Colony series” term life insurance policy. The company had to make a business decision about their low cost super...

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Never Let Your Life Insurance Lapse Accidentally!

I just got off the phone with a guy who missed the end of the grace period on his $1 million life insurance policy by 3 days. He called and asked for forgiveness and was told that he could fill out a...

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Is It Possible To Do Worse Than Guaranteed?

How appropriate that when I looked up the definition of guarantee I not only got what I expected, but it was a bit like opening a life insurance fortune cookie, “provide a formal assurance or promise,...

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OK! Let’s Try This The Old Fashioned Way!

I think I’m finally coming to grips with the fact that the life insurance learning curve isn’t really a curve. It’s more the path of a tether ball. It goes round and round, changing speed, direction...

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Redefining Life Insurance Standards?

Call AXA life insurance customer service sometime at 800-877-6810 and hear,”Welcome to AXA Life Service Center WHERE WE CONTINUE TO REDEFINE STANDARDS”. The question immediately comes to mind for me,...

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Who Is Going To Fight For You?

I had a life insurance case some years ago where I was able to help a client replace a Mass Mutual whole life policy that was on the cusp of imploding. What I mean by that is that to the untrained eye,...

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