Is Your Life Insurance Really In Good Hands With Allstate?
It’s one thing when a lack of customer service results in you not getting your empty coffee cup refreshed, but when a life insurance agent goes south on service and the life insurance company they...
View ArticleProtective Life Insurance! Who Are They Protecting?
Even though Protective and West Coast Life fired me years ago I still get their propaganda and that, along with an almost simultaneous run in with a Protective abusee has once again fired me up again...
View ArticleProtective Life Not A Wonderful Life!
We left off the other day with a description of Protective Life’s universal life conversion product, a product that simply defies the imagination. Since they introduced….no wait. They forgot to...
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 ArticleWhole Life Insurance Agent Liar!
I’ve been working through a tricky underwriting case with a client. He was initially declined by a few companies and then approved by American General at their highest rating. Not best rate, but...
View ArticleProtective Life Just Doesn’t Have Any Love For Their Customers!
OK. So I’m starting from a place of disliking Protective Life with a passion. In my career I have never seen a company that has consistently and persistently screwed their customers more than...
View ArticleMONY Life Insurance Takes Another Hit!
Ah, the good old days. There used to be this group of impaired risk life insurance companies that because of innovative products and underwriting that was just years ahead of everyone, stood out and...
View ArticleThe New Retirement And Life Insurance?
For me there was really nothing to come to grips with. I’ve seen the new 60 become 65 and the new 65 become 70 and I’ve seen the government tweak social security so that the longer you don’t take it...
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 ArticleLife Insurance Needs Change With Age!
I know that the permanent life insurance guys would like you to believe that your need for life insurance might grow as you age or at least stay the same, but the facts of life really point in the...
View ArticleBack When Life Insurance Was Cheap!
Ah, the good old days. Milk was 50 cents a gallon. Gas was 25 cents a gallon. A new car was under $2000. And life insurance, well, life insurance was so expensive that people had to pay for it by the...
View ArticleWhy Is Indexed Universal Life So Popular?
Greed strike a chord with you? After years of looking at indexed universal life insurance and hearing all the arguments and seeing all of failures, it occurs to me that the bigger the cash value...
View ArticleForget About Life! Buy Retirement Investment Insurance!
Isn’t it true of everything in our lives if we’re over 50, change is happening and with life insurance the companies are making sure it is “Advantage Company” in their tennis match with customers....
View ArticleWhy Can’t I Exclude My Heart From My Life Insurance Policy?
A client I’m working with is getting a little frustrated because, in order to keep his obligations, he is going to have to convert a current term policy coming to the end of its’ guaranteed level...
View ArticleTransamerica Life Drops A Big One In The Punch Bowl!
Transamerica Life Insurance, formerly Transamerica/Occidental Life may have just taken over the coveted position in the life insurance industry that Protective Life has held for years, the Turd In The...
View ArticleHIV+ CEO Approved For $1 Million Traditional Life Insurance!
There is nothing quite like fighting the good fight and getting your butt handed to you. While we’ve been able to provide life insurance for business purposes to HIV+ CEO’s and executives for years...
View ArticleIf One Size Really Did Fit All!!
If all agents and all companies were created equal, well, you might as well get rid of all the agents and created “The Insurance Company”, completely computerized and ready to mistreat everyone on an...
View ArticleDo Unto Others……
It’s one of those days when I wish I could turn back the clock 30 years and use rectal explosive devices on all of the life insurance executives and life insurance agents who sold universal life...
View ArticleFirst Transamerica. Now Voya!!
Not that long I dropped the Trans bomb that, well gosh, they were going to have to the raise the rates on a bunch of their old universal life policies and my reaction was one of those “Don’t tell me I...
View ArticleQuick, Easy Health Care Coverage?
Once again Obamacare is upon us and those who have joined are scrambling to figure out what direction to take this year. And whether Obamacare, the ACA, survives the next President and Congress, all of...
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