by Ed Hinerman | Jan 11, 2012 | cash value, guarantee, indixed universal life, Infinite banking, insurance, life insurance
A few days ago another agent took offense to my obviously uneducated view that indexed universal life is a poor excuse for a life insurance product, especially in the context of infinite banking. He commented on a post by starting with “I’m sure your completely...
by Ed Hinerman | Mar 8, 2010 | insurance, life insurance, term insurance, whole life
Clients being ever vigilant for the fine print or hidden costs occasionally ask how I get paid. The core of the question for them is, of course, any additional cost they might incur above and beyond the premium. How do life insurance agents get paid? This isn’t a...
by Ed Hinerman | Mar 3, 2010 | insurance, life insurance, term insurance
A year and a half ago when everyone’s 401k’s had suddenly turned into 201k’s I threw out the suggestion that people buy 10 year term insurance as a way to kind of fill the bucket back up until things recovered. Now true, it wasn’t an idea to...
by Ed Hinerman | Oct 16, 2009 | insurance, life insurance, life settlements
Life settlements, for the life insurance industry, is kind of like when you’ve been whacked in the face and it hurts, but the swelling and discoloration of the black eye hasn’t shown up yet. Life settlements or viatical sales of life insurance policies has...
by Ed Hinerman | Jul 8, 2009 | insurance, life insurance, term insurance
In the May 2009 issue of Wealth Manager Warren Buffet was quoted as saying, “It’s only when the tide goes out that you learn who’s been swimming naked.” That couldn’t be more true when it comes to this past year’s economy and those who didn’t use...
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