by Ed Hinerman | Oct 26, 2020 | income replacement, life insurance, over 50 life insurance
I wrote this post 8 years ago and now we are in a pandemic and life insurance is starting to come into focus for a lot of people, so thank you for accepting this update. All the best. The Way It Was! My Dad died 11 years ago this month at age 84 and had a total of...
by Ed Hinerman | Jun 17, 2020 | beneficiary, income replacement, life insurance
I first wrote this back in 2015. I’m digging a little deeper because it can save your family. Is Go Fund Me A Good Replacement For Life Insurance? It sure seems like a lot of people believe that. I’ve seen Go Fund Me do some great things, but with time to...
by Ed Hinerman | Aug 22, 2019 | income replacement, insurable interest, life insurance
WHERE WAS THE LIFE INSURANCE? I had this nagging feeling even before I understood what a great value life insurance protection is, and well before I started this forum to let everyone know the truth about life insurance. I would read or see in the news that a family...
by Ed Hinerman | Jan 20, 2016 | business life insurance, buy/sell life insurance, CEO life insurance, income replacement, insurable interest, insurance, key man insurance, life insurance
There’s nothing quite like that feeling when life reaches a plateau where your job or your business are fun and making money. You’ve got it made or at least got it by the tail and now you can just work hard and put it on cruise control, right? I will be...
by Ed Hinerman | Aug 28, 2014 | business life insurance, cash value, guaranteed level premium, income replacement, insurance, life insurance, over 50 life insurance
I know that the permanent life insurance guys would like you to believe that your need for life insurance might grow as you age or at least stay the same, but the facts of life really point in the opposite direction. Life insurance needs generally become smaller as...
by Ed Hinerman | Feb 19, 2014 | financial adviser, grandparent life insurance, impaired risk life insurance, income replacement, insurance, life insurance, over 50 life insurance, term insurance
My name is Ed Hinerman and my wife and I are grandparents. In the whole scheme of things hardly noteworthy except for the fact that we are part of a growing number of grandparents who are raising our grandchild. The last census showed that just shy of 5 million...
by Ed Hinerman | Nov 9, 2011 | business life insurance, hazardous activities, income replacement, Infinite banking, insurance, life insurance
Remember the “dress for success” thing that started back in the 70’s? I think it was probably a reaction to the way most people my age decided to dress in the 60’s. It never really worked for me. Every time I dressed for success, even if I got...
by Ed Hinerman | Oct 23, 2011 | disability, disability income, executives, hazardous activities, income replacement, professional athletes
Let’s step away from life insurance for a day and address an inherent problem in disability income insurance. Disability income insurance is there to theoretically replace earned income in the event that a person is disabled by injury or illness. Companies...
by Ed Hinerman | Mar 18, 2009 | income replacement, insurance, life insurance, Protective Life, term insurance
Within the past few weeks West Coast Life and Protective Life have announced a new term insurance product that, well, may be OK for some purposes. There are definite upsides, but a few downsides from where I stand. The product’s main feature is that it...
by Ed Hinerman | Aug 3, 2007 | income replacement, Independent agent, insurance, life insurance
Originally posted 8/11/2007, updated 11/23/2019 Part of the whole life insurance equation that people get hung up on is how much life insurance is enough. There are life insurance calculators like the one below that can help, but the best process is a good old...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments