by Ed Hinerman | Dec 11, 2007 | final expense life insurance, insurance, life insurance
I get calls from children and grandchildren on a fairly frequent basis asking about getting a policy to help with the final expenses of their relative. There seems to be a tendency to start thinking about that when it becomes obvious that mom or dad isn’t going...
by Ed Hinerman | Sep 16, 2007 | final expense life insurance, insurance, life insurance
Probably the most common scenario I hear is children or grandchildren considering purchasing a life insurance policy on parents or grandparents. Their thought process is, that if the cost isn’t too high, it could be a decent investment. My personal opinion is...
by Ed Hinerman | Sep 16, 2007 | Burial insurance, estate taxes, final expense life insurance, insurance, life insurance, term insurance, universal life, whole life
Term insurance or whole life? Term insurance or universal life? How should you decide just what product best fits your need for protection for your family? I’ve discussed in numerous posts how to determine the proper term length and the proper use of term...
by Ed Hinerman | Aug 21, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance quotes, life insurance
It’s time I quit beating around the bush about this subject. I get numerous requests for people who are looking for $20,000 of life insurance or less. Generally I am talking about retired folks who only need final expense or burial insurance. Some times health...
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 | Burial insurance, estate taxes, final expense life insurance, insurance, life insurance, second to die insurance, universal life, whole life
Here’s where you can get a whole helping of my opinion that has grown and matured and reformed and settled since I sold my first whole life policies in 1978. Both whole life and universal life are meant to be permanent insurance. They are meant to be there until...
by Ed Hinerman | Apr 25, 2007 | final expense life insurance, insurance, insurance quotes, life insurance, term insurance, universal life
I’ve heard some good ones. I don’t want to make her rich. She only needs enough to get by until she can find another husband. What happens if I’m still alive when I reach the end of my term insurance? A lot of excuses for not stepping up and buying...
by Ed Hinerman | Mar 21, 2007 | Burial insurance, final expense life insurance, guaranteed issue life insurance, Independent agent, insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
Life insurance these days has so many options available as far as products go that it has become easier and easier to hone in to just exactly the right product for your life and your needs. Along with the huge increase in options is the need to have a professional...
by Ed Hinerman | Mar 11, 2007 | final expense life insurance, Independent agent, insurance, insurance quotes, life insurance
Life insurance companies use criteria such as financial justification and insurable interest to determine how much life insurance they will sell to an individual. Financial justification simply keeps the amount of insurance in proportion to the actual financial loss....
by Ed Hinerman | Mar 4, 2007 | Burial insurance, final expense life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life
Want to throw a wet towel on an adult conversation? Ask your friends how much life insurance they carry on their children. The normal answer would run the gammet from, “why would I do a thing like that” to “that’s not something I want to talk...
by Ed Hinerman | Feb 28, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, term insurance, whole life
Burial insurance, sometimes also called a final expense policy, can be an affordable way to spread the expense of a loved one’s death over a number of years. Morbid idea? Not when you think it through. All of us reach the point of final expenses sometime. Final...
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...
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