by Ed Hinerman | Jun 22, 2012 | AARP, beneficiary, cancer, contestability, contestability period, death benefit, insurance, life insurance, New York Life
Can you imagine how bored I would get if I couldn’t count on AARP to provide blog material on an absolutely continuous, unending basis? After all of the really awful things I’ve had to say about the AARP/New York Life insurance program over the years, my...
by Ed Hinerman | Apr 23, 2012 | conversion, death benefit, estate taxes, insurance, life insurance, term insurance
I thought it would be good to revisit some of the original posts on this forum. It’s been over 5 years and somewhere near a million words now and I wanted to see if I’m like a politician and flip flop on issues, or as I found in a few cases, the issues...
by Ed Hinerman | Nov 28, 2011 | Dave Ramsey, death benefit, insurance, life insurance
I often have the budget discussion with people who fall into the less than perfect health category, impaired risk life insurance in the industry. They don’t get the bang for the buck that someone young and healthy, or for that matter over 50 and healthy. My...
by Ed Hinerman | Jun 8, 2011 | grace period, insurance, life insurance
I had a client who, by his wife’s own admission, was a bit of an airhead when it came to things like paying bills on time. When we put life insurance in force on the two of them he insisted that the bill should come to him. His annual bill came due June 1, 2009...
by Ed Hinerman | Jun 1, 2011 | insurance, life insurance, term insurance, whole life
I had a comment to a post I wrote last year over the weekend. This person stated, “As a non financially educated guy, I have a really hard time understanding how people in the same industry can have such varying opinions how to insure oneself.” This...
by Ed Hinerman | Feb 10, 2011 | death benefit, insurance, life insurance
There is probably nothing that is sacred anymore with the federal government and almost every state government facing mounting budget deficits, loss of tax revenue and so on. I’m sure every level of government must have multiple committees whose sole job is to...
by Ed Hinerman | Jan 13, 2011 | accelerated death benefit, life insurance
The accelerated death benefit is one of those gold nuggets in life insurance policies that, for very little cost, can bring peace, sanity and hope in the life of someone terminally ill. The ADB is simply one of the nicest things the life insurance companies have ever...
by Ed Hinerman | Dec 8, 2010 | cash value, insurance, life insurance
Let me preface this post by saying that I fully support the public and government efforts to get our country out of debt. Years of irresponsible government and a public that decrys it while at the same time taking advantage of it, have left us beaten down almost to...
by Ed Hinerman | Dec 6, 2010 | death benefit, insurance, life insurance
We’ve all heard some version of the story. A widow that can’t collect on her late husband’s life insurance because of some clause or some rule or something that someone did wrong…. Exclusions are a common question and a very real concern. Some time...
by Ed Hinerman | Nov 16, 2010 | guarantee, insurance, life insurance, universal life
I received an email today from a person that says he was deceived by his life insurance agent about the length of the guarantee on a UL. I have no way to authenticate the email since my reply came back undeliverable and there was no phone number given. So, while the...
by Ed Hinerman | Nov 2, 2010 | Banner Life, conversion, insurance, life insurance
I have always been an advocate of buying a term length, or multiple term policies that reflect your actual life insurance needs with different term lengths. Due to some recent changes in conversion options I am considering an amendment to my recommendation. It all...
by Ed Hinerman | Aug 2, 2010 | incontestability, insurance, life insurance, over 50 life insurance, senior life insurance
There are plenty of stories about life insurance companies squirming out of paying death benefits, so I think it’s fair for a person to question if their beneficiaries will really get what they’ve paid for if the pass away. I’m often asked about the...
by Ed Hinerman | Jul 1, 2010 | death benefit, insurance, life insurance
I was reviewing a legal synopsis of a contested life insurance beneficiary situation this morning and it reminded me just how important it is to make those changes in a timely fashion, and then double check to make sure it has been done. In this particular case the...
by Ed Hinerman | May 26, 2010 | death benefit, insurance, life insurance
There is one question that keeps nagging at the periphery of everyone’s thought process when they purchase life insurance. Is the company really going to write a check to my beneficiary when I die? It’s a fair question and not a paranoid thought,...
by Ed Hinerman | Apr 1, 2010 | insurance, life insurance, universal life, whole life
“If you need life insurance for more than 20 years, choose whole life; for 10 or fewer years, choose term life. For the time in between, ask a licensed professional to review your situation.” This patently ridiculous advice came from an article titled Term...
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