by Ed Hinerman | Mar 10, 2009 | Dave Ramsey, insurance, life insurance, suze orman, term insurance
When Dave Ramsey talks about taking care of the basics, housing, food, utilities and such, he hits right at the core of what life insurance is all about. Life insurance isn’t about enriching those left behind. It’s about making sure they can live on...
by Ed Hinerman | Mar 9, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
Having group life insurance through your job or organization is certainly one of the top excuses for not buying a personal life insurance policy. After all, if you already have it, why buy more. No physical. No muss or fuss, and group insurance is generally sooo...
by Ed Hinerman | Mar 6, 2009 | business life insurance, insurance, key man insurance, life insurance, return of premium term insurance, term insurance
In our current economic meltdown there are a lot of people out there trying to say that the government or big business are trying to run our country. What this country really runs on is small businesses and what really makes those businesses work is the owners or the...
by Ed Hinerman | Mar 5, 2009 | insurance, insurance quotes, life insurance, term insurance
YRT, yearly renewable term life insurance, has been around for a long time. Really the original term insurance, it has a rate that is guaranteed. Unfortunately it is guaranteed to go up substantially every year. YRT starts out with a very low first year price. For...
by Ed Hinerman | Mar 4, 2009 | insurance, life insurance, suicide clause
I’ve often been told that life insurance has an out with people with severe depression or severe bipolar disorder because they’ve got that suicide clause thing. I’ve written about this before and I think life insurance companies would probably prefer...
by Ed Hinerman | Mar 3, 2009 | blood pressure, Independent agent, insurance, life insurance, term insurance
This all went a little quicker than even I had anticipated. I shared a few weeks ago that I was applying for term life insurance on myself, a replacement of some terms that seemed prudent to extend. Because of some past health history impacting a previous application...
by Ed Hinerman | Mar 3, 2009 | Protective Life, Prudential, term insurance, universal life, whole life
I’ve been blogging since the first of the year about the coming changes in universal life products that have external no lapse guarantees. Well, there’s good news and bad news on that front. The good news is that it is still available from the top...
by Ed Hinerman | Mar 2, 2009 | arthritis, insurance, life insurance, rheumatoid arthritis
I know from personal experience that keeping tabs on what is said in your medical records can be as critical as making sure information in your credit records is accurate. Possibly even more important. Just a few examples from my own records that have had an effect on...
by Ed Hinerman | Mar 1, 2009 | AARP, cancer, Depression, diabetes, heart disease, insurance, life insurance, New York Life
I had posed a question to the Latino community a few weeks ago asking whether a life insurance website in Spanish with a direct line to bilingual staff would be something helpful. New York Life recently unveiled exactly what I was talking about. Yes, this is the same...
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