Feeling A Little Exposed?
When it comes to universal life insurance policies that question could be asked both of the people who own the policies and the companies that sold them. We are currently collaborating on an article...
View ArticleHow Permanent Is Your Permanent Life Insurance?
A client of mine called today in response to a blog post I had written about the current state of estate preservation life insurance and exemption laws. After reviewing his situation I concurred with...
View ArticleA Look Back Two! Universal Life In Perspective
It’s an interesting view from here. I’m not sure what the equivalent would be for someone who doesn’t write almost daily for years. Maybe just looking back at pictures of how you’ve changed? I’ve...
View ArticleLife Insurance Reality Show?
I had a gentleman call me the other day to see what he could do about the mess his life insurance had ended up in. 10 years ago his agent converted his term insurance policy, at that time a Kemper...
View ArticleLife Insurance Reality Show Continued!
As promised in my last post this is a letter written by a 79 year old man in Ohio to the state insurance commissioner. He was sold a conversion on a term policy 10 years ago and was told by the agent...
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 ArticleWhy Term When IUL Is Available?
This is the 2015 version of the age old question, why term versus whole life? Some of the answers are the same and some are vastly different, I would say even dangerously different for those who are...
View ArticleLatin American and Caribbean Open For Life Insurance Business
I recently became affiliated with Pan American Life Insurance in hopes of making it substantially easier to write business outside the US, with emphasis on the Caribbean, Latin and South America....
View ArticleHuge Life Insurance Meltdown!
The Wall Street Journal recently posted an article titled, “Universal Life Insurance, a 1980s Sensation, Has Backfired”. Now I have become keenly aware over the years that very few people really take...
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