by Ed Hinerman | Jul 23, 2007 | business life insurance, final expense life insurance, insurance, life insurance, universal life, whole life
Every profession has it’s share of dirt balls that will make a buck no matter who it hurts. The truth is that most of the unscrupulous types don’t last in the life insurance business, and leave damaged customers behind trying to make sense of what...
by Ed Hinerman | Jul 18, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance, universal life, whole life
Probably the most often asked question in life insurance. What is the difference between term and whole life? I will deal with whole life and universal life at another time, but let’s talk about term and what it’s really made to do. Term life insurance...
by Ed Hinerman | Jun 14, 2007 | business life insurance, buy/sell life insurance, Independent agent, insurance, life insurance
Most small businesses, which provide the majority of employment, kind of fly by the seat of their pants when it comes to the area of life insurance and a business continuation plan. Just some food for thought. In the US today, you are more likely than not to either...
by Ed Hinerman | May 3, 2007 | breast cancer, business life insurance, buy/sell life insurance, cancer, children's life insurance, guaranteed issue life insurance, heart attack, insurance, Juvenile life insurance, life insurance, melanoma, Type 2 diabetes
How often do we hear it? A friend or family member has had a heart attack or been diagnosed with cancer at an age that is just, well….wrong! We expect health problems and death when someone gets into their 80’s. It’s not nearly so common in their...
by Ed Hinerman | Mar 27, 2007 | business life insurance, buy/sell life insurance, Independent agent, insurance, insurance quotes, life insurance, term insurance
In the excitement of starting a new business all the focus is generally onward and upward and the tendency is to kind of overlook the downside to success. This is more prevalent in partnerships, but is also a real problem for sole proprietors and corporations....
by Ed Hinerman | Feb 25, 2007 | business life insurance, buy/sell life insurance, final expense life insurance, Independent agent, insurance, insurance quotes, key man insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
My mother never told me running a small business was easy. In fact it went something more like, “wouldn’t you be better off getting a real job?” Whether you are in business for yourself, or work for someone, your future can be in jeopardy if you, or...
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 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...
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