by Ed Hinerman | Jan 31, 2009 | beneficiary, death benefit, insurance, life insurance, life settlements, mortality, term insurance
If someone offered you money for your term life insurance policy, which we all know has no value unless you’re dead, would you take it? If you were sick and had been racking up medical bills and someone offered you enough money to pay those bills, let’s...
by Ed Hinerman | Jan 31, 2009 | cancer, heart attack, insurance, life insurance, term insurance
It’s not likely that I will live long enough to actually hear every argument for not buying life insurance, but the truth is that the only thing that replaces life insurance is liquid assets, wealth. Life insurance really has two main purposes. Peace of mind is...
by Ed Hinerman | Jan 31, 2009 | cancer, children's life insurance, diabetes, epilepsy, insurance, life insurance, Type 1 diabetes
The whole subject of life insurance on children has a certain “yuk” factor that comes with it. Parents, even those who would be hard pressed to deal financially with the loss of a child, would really prefer not to talk about it. I would like to throw out...
by Ed Hinerman | Jan 31, 2009 | AIG, death benefit, guarantee, Independent agent, insurance, life insurance, mortality, term insurance, universal life, variable universal life, whole life
Anyone who has health insurance has already, or will soon find out the frustration of having insurance that doesn’t have all of it’s features guaranteed. At any point the dreaded letter can come and your copay can change, your premium can change or your...
by Ed Hinerman | Jan 31, 2009 | insurance, life insurance, suze orman, term insurance
There has been no lack of financial “wisdom” floating around since our economy skipped right past recession and into economic meltdown. The Suze Ormans and Warren Buffets and Dave Ramseys have all espoused the time tested “don’t freak out and...
by Ed Hinerman | Jan 31, 2009 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance, whole life
Ah, the almost age old question, term versus whole life. What is the right thing to do? Forgive me for being more than just a little opinionated on this subject, but personally I think that is a right for anyone that is on the right side of an argument. Whole life...
by Ed Hinerman | Jan 31, 2009 | insurance, life insurance, term insurance
“Should I have life insurance?” The determining question for me is the presence of a need that can’t be met in another way. In a world that is defined a little more each day by I, me, mine, there is a tendency to dismiss the impact that our premature...
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