by Ed Hinerman | Apr 7, 2009 | bipolar, bipolar disorder, insurance, life insurance, mortality, mortality risk
If it wasn’t such a great success story I would probably just quit talking about it, but we have already been able to help more people with bipolar disorder in the first quarter of this year than we did all last year. The word is getting out. A client who...
by Ed Hinerman | Apr 7, 2009 | death benefit, decline, Independent agent, insurance, life insurance, term insurance
A headline hit me this morning. You know, one of those that sucks you right out or your routine and sends you off chasing rabbits of another color. US News and World Report seems to have rifled through my blog posts and come up with 7 (only 7?) important things you...
by Ed Hinerman | Apr 3, 2009 | beneficiary, death benefit, decline, Independent agent, insurance, life insurance, term insurance, whole life
Amazing to me the number of people who die with life insurance in force and who spaced out two little details, telling someone that there is insurance and telling them where to find the policy. Because our batting average is less than 100% for turning contacts into in...
by Ed Hinerman | Apr 2, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
I am often asked by clients and potential clients if I sell business liability insurance, car insurance, medicare supplements and the full gamut of insurance products available and my answer is Wyoming raised simple, “Nope, I just sell life insurance”. It...
by Ed Hinerman | Apr 2, 2009 | breast cancer, cancer, Independent agent, insurance, life insurance, prostate cancer
Not a week goes by that I don’t talk to someone with a history of cancer. They would like to have life insurance, just like anyone, but insurance quotes take a bit more leg work. It’s often a stretch and often means going back to doctors and asking for the...
by Ed Hinerman | Apr 1, 2009 | insurance, life insurance, Prudential, term insurance
Just when you thought I was through yelling, Prudential just announced today that their least expensive term insurance product, simply the best deal going in the $1,000,000 and up amounts will have a rate increase effective May 1. You know that stomach crunching...
by Ed Hinerman | Apr 1, 2009 | conversion, insurance, life insurance, term insurance, universal life, whole life
I just off off the phone with a man who got laid off and then got blown over when he found out the reality of what it would take to make his group life insurance portable. Since I’ve been in the business, even back when I was big into setting up group plans, I...
by Ed Hinerman | Apr 1, 2009 | insurance, life insurance, universal life, variable universal life
So the question really comes down to this. Is a family going to realize a better benefit in their family trust through the purchase of a guaranteed life insurance policy, or through the purchase of land in Mississippi using the same amount of money. I have been...
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