25 and 30 Year Term Life Insurance Disappearing?
Not likely, but today ING Reliastar said they we discontinuing sales of the 25 and 30 year term products effective at the end of July. Probably the biggest impact this will have will be all of the mega...
View Article2012 Life Insurance. The Best Year Ever!
There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an...
View ArticleWe Don’t Have Four More Years. Act Now On Life Insurance!
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,...
View ArticleScooped By Wall Street Journal?
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...
View ArticleToo Late To Buy Life Insurance?
I get calls every once in a while from people whose spouse or parent is literally terminally ill and many times imminently terminal. I think they know the answer already but I understand that they see...
View ArticleWhy I Still Don’t Trust Indexed Universal Life!
Two and half years ago when indexed universal life seemed to be taking over the life insurance landscape I spent considerable time studying the products and then posted my thoughts in this forum. In...
View ArticleThe 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...
View ArticleThinking 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...
View ArticleGenworth 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...
View ArticleIs 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...
View ArticleNever 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...
View ArticleIs 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,...
View ArticleOK! 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...
View ArticleRedefining 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,...
View ArticleWho 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,...
View ArticleWhy 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...
View ArticleThe 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...
View ArticleThinking 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...
View ArticleGenworth 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...
View ArticleIs 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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