by Ed Hinerman | Jan 19, 2012 | business life insurance, buy/sell life insurance, Infinite banking, insurance, life insurance, whole life
As a business person I have become accustomed to wanting to deduct everything I can. If there was a way to deduct the air that is used in my office every day I would be installing an air gauge. Business life insurance benefits are income tax free which is like the 8th...
by Ed Hinerman | Feb 14, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, term insurance
Being over 50 myself I read that title and my mind immediately went to the thought that, “Well of course it has new meaning. We’re a lot closer to using it.” Whoa, admitted my own mortality there! But what I want to get at is the fact that the needs...
by Ed Hinerman | Nov 23, 2010 | life insurance, term insurance, whole life
Consider this my little Thanksgiving treat to the life insurance world. I am about to say something very positive about whole life insurance. So often I’ve beat whole life to death in comparing it to term life insurance, but Happy Thanksgiving! The whole life...
by Ed Hinerman | Sep 8, 2010 | insurance, life insurance, over 50 life insurance, term insurance, universal life, variable universal life, whole life
I feel a little like the boy that cried wolf and pretty soon no one is listening, but if you have a universal life, variable universal life, indexed universal life or whole life policy, the wolf is real and if you ignore it long enough it’s going to mess up your...
by Ed Hinerman | Aug 18, 2010 | AARP, insurance, life insurance, senior life insurance, term insurance, whole life
When a person gets into their 60’s, 70’s and above there is a real life insurance industry tendency to try to shove them into the final expense market, even at a time when people are working longer and have larger needs than most final expense policies...
by Ed Hinerman | Jul 7, 2010 | insurance, life insurance, over 50 life insurance
With so much financially unchanged I want to dust off some previous advice and suggest that it was right then and still warrants some consideration. If you are over 50 life insurance may be one of those anchors in the storm that helps us to breath easier. Everything...
by Ed Hinerman | May 21, 2010 | insurance, life insurance, universal life
I was discussing indexed universal life insurance products with another agent today and our combined conclusion is that most of the companies that are offering it seem to have forgotten that bad things can happen in our country’s economy. But just for the sake...
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...
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 | Sep 23, 2009 | insurance, life insurance
Ok, so it’s a “what if”, but there’s a lot of folks out there who won’t see the end of the day. Nothing shocking about that. A lot of those deaths will be expected and a lot of them, well, I guess there will be something shocking about...
by Ed Hinerman | Jul 2, 2009 | insurance, life insurance, universal life
It’s certainly not breaking news. But it has been important and timely and will remain important and timely for many years. A very high percentage of the universal life policies in force today are in trouble due to the abhorrent sales pitches of those life...
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