by Ed Hinerman | Feb 23, 2007 | Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance, universal life, whole life
Yes, believe it or not, life insurance agents make money by selling life insurance. This generally isn’t a problem. It is a commission only business though and the truth is that if you don’t make sales you can’t buy food. For those agents who have...
by Ed Hinerman | Feb 22, 2007 | Independent agent, insurance, life insurance, universal life, whole life
If you just bought a car, a new super hybrid of some kind, and the salesman told you that it would never run out of fuel, would you just drive on down the highway and trust that guarantee? Would you get a second opinion? Maybe do some research? You might find out that...
by Ed Hinerman | Feb 22, 2007 | Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life, whole life
Would everyone who has a whole life or universal life policy please stand up and raise your hand so I can see you! There is not a day that goes by that a case doesn’t cross my desk where someone believes they have a permanent life insurance policy (defined as...
by Ed Hinerman | Feb 21, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
Let’s start with an analogy. Suppose you have just made a decision that it is time to buy a car and that, like me, you live in a thriving metropolis of 6000 people. There are two car dealerships, neither of whom have anything close to a large selection, and...
by Ed Hinerman | Feb 21, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, liver functions, Type 1 diabetes, Type 2 diabetes
I don’t think I would be overstating the subject at all if I said that at least once a week I have a client who, for the first time, discovers they have a health issue because the life insurance exam lab results bring it to light. Some of the most frequent...
by Ed Hinerman | Feb 19, 2007 | hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Because of all of the health risks associated with poorly controlled type 1 diabetes and type 2 diabetes, life insurance underwriters take a cautious approach. What the underwriters are looking for can be summed up in three words. Control! Control! Control! While the...
by Ed Hinerman | Feb 19, 2007 | hypertension, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life
Unless your worst affliction in life was a sneezing fit 5 years ago, you may have discovered that life insurance often comes at a higher rate due to certain health issues. While you may not get the same rates as superman if you happen to be a type 2 diabetic, good,...
by Ed Hinerman | Feb 18, 2007 | accelerated death benefit, Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life, whole life
I’ve often wished my blogs would be read by everyone. I’m pretty sure that doesn’t happen, but for this one I am lowering my wish expectations. I am only hoping that everyone who has life insurance or is considering buying a life insurance policy...
by Ed Hinerman | Feb 17, 2007 | insurance, life insurance
Go figure the logic. Virtually every one of us has a story of a friend or relative who has died far too prematurely. Sometimes it’s due to an accident. Sometimes a disease comes from nowhere and ends a life that should have gone on far longer. Yet, the majority...
by Ed Hinerman | Feb 17, 2007 | business life insurance, Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance, universal life, whole life
If you’re an adult with any kind of responsibilities in this world, you should be carrying a life insurance policy. That old saying that “there are two things that are certain in life, death and taxes” has a lot of truth to it. The big difference is...
by Ed Hinerman | Feb 16, 2007 | business life insurance, Independent agent, insurance, key man insurance, life insurance, private pilots, return of premium term insurance
This is a country made of small businesses and generally speaking, all of those that have employees have managers. As long as I am sailing with generalities, I think it’s safe to say that a good manager is a very valuable asset. Which leads me to another...
by Ed Hinerman | Feb 16, 2007 | Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life
You see it on advertising all the time, but is it true. Whether you are getting life insurance quotes from an independent agent or a captive home town agent, you need to know that it is absolutely true that you can save 70% and often much more than that. There are two...
by Ed Hinerman | Feb 15, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance
Needless to say, these kinds of events can definitely present you with some challenges. Partnerships are tricky enough. Without the right business life insurance or buy/sell life insurance policy in place, the partnership can remain tricky long after the deceased...
by Ed Hinerman | Feb 14, 2007 | insurance, insurance quotes, life insurance, term insurance
It happens hundreds of times a day. A family owned business goes belly up because the owner, who is usually the CEO and the only person that knows how to run the business, dies without adequate life insurance. The result is a family suddenly missing an income and...
by Ed Hinerman | Feb 11, 2007 | children's life insurance, guaranteed issue life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life
My experience is that there is actually a mindset, especially with parents, that if they carry life insurance on their child they could somehow increase that child’s chance of an early death. Let me assure you that there is no statistical link between a...
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