by Ed Hinerman | Jul 23, 2016 | appropriate life insurance recommendation, assumptions, guarantee, illustration, indexed universal life, insurance, life insurance, second to die insurance
I get email advertising all the time from life insurance companies wanting to catch me in a weak moment and get me to jump on board with some breed of indexed universal life. Any breed really. Whether it is simple life insurance, or a bolder approach to wealth...
by Ed Hinerman | Jul 22, 2015 | application process, approval, budget, children's life insurance, financial adviser, guaranteed level premium, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval, second to die insurance
If all agents and all companies were created equal, well, you might as well get rid of all the agents and created “The Insurance Company”, completely computerized and ready to mistreat everyone on an equal basis. But alas we live in the real world and...
by Ed Hinerman | Aug 4, 2009 | estate taxes, insurance, life insurance
In my mind the estate tax changes made in 2001 were a great idea with a great direction and one of the stupidest endings that could be thought up. Why would Congress and the President go so far to finally bring something out of the dark ages and make it fair, only to...
by Ed Hinerman | Jul 16, 2009 | estate taxes, insurance, life insurance
Since the inception of 2nd to die or survivorship life insurance policies to protect estates from being pillaged by estate taxes, most of the policies were written as traditional universal life or whole life insurance. Cash value policies. When the cashless universal...
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