by Ed Hinerman | Feb 15, 2009 | insurance, life insurance, mortality, mortality risk, prayer, term insurance
I’m always talking about others and their trials and tribulations in quest of the best life insurance rates they can find. For a change of pace I thought I would take you along on my own life insurance application adventure. I have two term insurance policies...
by Ed Hinerman | Feb 14, 2009 | bait and switch, blood pressure, cholesterol, diabetes, heart disease, high blood pressure, insurance, insurance quotes, life insurance
Just for minute let’s pretend this wild scenario could happen. You talk to two life insurance agents and tell them both the same health information. One gives you a quote that your life insurance policy will cost $1000 a year and the other says it will cost...
by Ed Hinerman | Feb 12, 2009 | insurance, life insurance, suze orman, term insurance, universal life, whole life
Suze Orman, the queen of life insurance misinformation, has riled up the folks at MSN Money now. I thought they kind of soft peddled it a bit in their claim that she doesn’t have a clue about anything. While MSN took exception to her ridiculous investment...
by Ed Hinerman | Feb 10, 2009 | buy/sell life insurance, insurance, life insurance, term insurance, universal life, whole life
For those that sell whole life or universal life they would have everyone believe that term insurance is a product developed by insurance companies to keep from paying death benefits. The only way to have life insurance is to have it go on for life, says them. What...
by Ed Hinerman | Feb 7, 2009 | diabetes, heart disease, insurance, life insurance
Seguros de vida ayuda en español? Hinerman Group has always been about serving the unserved and underserved in the life insurance business. We specialize in helping those who can’t get life insurance or run into road blocks getting life insurance through the...
by Ed Hinerman | Feb 5, 2009 | blood pressure, cancer, diabetes, gastric bypass, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea, stroke
Talk about a sensitive issue. The truth is that being overweight isn’t an easy thing to be and it isn’t an easy thing to talk about, and when you are told your life insurance will cost more because of it, it feels like a slap in the face. Having said that,...
by Ed Hinerman | Feb 4, 2009 | bipolar, bipolar disorder, diabetes, insurance, life insurance, mortality, mortality risk
Actually rather than the best change, I think the word clarification is more precise. Sometimes it truly isn’t who you know, but what you know about what underwriters need to see. Case in point is bipolar disorder. Two years ago I didn’t have a clue about...
by Ed Hinerman | Feb 3, 2009 | insurance, life insurance, term insurance, universal life, variable universal life, whole life
We’ve discussed a lot of different aspects of how the current recession and economic meltdown can impact life insurance. There’s more to talk about that will be coming soon Certainly any non guaranteed product will see rate increases. That’s no...
by Ed Hinerman | Feb 2, 2009 | blood pressure, decline, high blood pressure, insurance, life insurance, mortality, PSA, stroke, term insurance
The trend never seems to end. Men especially aren’t real keen on regular checkups with their doctors and have this almost childlike view of mortality. They’re sure people get sick and die, but it’s certainly not them or anyone remotely close to their...
by Ed Hinerman | Jan 31, 2009 | beneficiary, death benefit, insurance, life insurance, life settlements, mortality, term insurance
If someone offered you money for your term life insurance policy, which we all know has no value unless you’re dead, would you take it? If you were sick and had been racking up medical bills and someone offered you enough money to pay those bills, let’s...
by Ed Hinerman | Jan 31, 2009 | cancer, heart attack, insurance, life insurance, term insurance
It’s not likely that I will live long enough to actually hear every argument for not buying life insurance, but the truth is that the only thing that replaces life insurance is liquid assets, wealth. Life insurance really has two main purposes. Peace of mind is...
by Ed Hinerman | Jan 31, 2009 | cancer, children's life insurance, diabetes, epilepsy, insurance, life insurance, Type 1 diabetes
The whole subject of life insurance on children has a certain “yuk” factor that comes with it. Parents, even those who would be hard pressed to deal financially with the loss of a child, would really prefer not to talk about it. I would like to throw out...
by Ed Hinerman | Jan 31, 2009 | AIG, death benefit, guarantee, Independent agent, insurance, life insurance, mortality, term insurance, universal life, variable universal life, whole life
Anyone who has health insurance has already, or will soon find out the frustration of having insurance that doesn’t have all of it’s features guaranteed. At any point the dreaded letter can come and your copay can change, your premium can change or your...
by Ed Hinerman | Jan 31, 2009 | insurance, life insurance, suze orman, term insurance
There has been no lack of financial “wisdom” floating around since our economy skipped right past recession and into economic meltdown. The Suze Ormans and Warren Buffets and Dave Ramseys have all espoused the time tested “don’t freak out and...
by Ed Hinerman | Jan 31, 2009 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance, whole life
Ah, the almost age old question, term versus whole life. What is the right thing to do? Forgive me for being more than just a little opinionated on this subject, but personally I think that is a right for anyone that is on the right side of an argument. Whole life...
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