by Ed Hinerman | Feb 11, 2007 | children's life insurance, guaranteed issue life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life
My experience is that there is actually a mindset, especially with parents, that if they carry life insurance on their child they could somehow increase that child’s chance of an early death. Let me assure you that there is no statistical link between a...
by Ed Hinerman | Feb 11, 2007 | insurance, life insurance, return of premium term insurance, term insurance
I try never to assume that everyone knows all of the benefits of life insurance. One that is huge beyond measure for your heirs is that the life insurance benefit that you leave behind is not income taxable. Unlike hitting the lottery, the government has graciously...
by Ed Hinerman | Feb 9, 2007 | children's life insurance, guaranteed issue life insurance, insurance, insurance quotes, Juvenile life insurance, life insurance, private pilots, term insurance, universal life, whole life
Advocate is defined in the dictionary as “one that supports or promotes the interests of another”. There are several “advocacy” groups that promote life insurance to their members or to the group of people that they would suggest they are...
by Ed Hinerman | Feb 7, 2007 | insurance, life insurance, return of premium term insurance, term insurance, universal life
How many times have I heard that? The conversation goes something like this. “Mr Smith, based on your health information it looks like we should be able to get a $1,000,000, 20 year term policy for $1200 a year, about $100 per month.” Mr Smith counters...
by Ed Hinerman | Feb 6, 2007 | insurance, life insurance, term insurance, universal life
Term life insurance is the most practical, appropriate and affordable life insurance for 90% or more of the average person’s life insurance needs. The obvious feature that people buy term life insurance for is the death benefit. They want to know that their...
by Ed Hinerman | Feb 4, 2007 | insurance, insurance quotes, life insurance, term insurance, universal life
Can he or she tell you honestly that all the provisions of your term insurance or universal policy are guaranteed? That there are no surprises or changes down the road? That you can count on these guarantees and hold them accountable for making sure that you are kept...
by Ed Hinerman | Feb 3, 2007 | insurance, life insurance, term insurance
I am always taken aback by life insurance clients who, faced with the truth that they don’t qualify for as good a rate as they want, opt to just not buy insurance at all. I had a client a few years back. A mid 30’s professional, married with 2 young...
by Ed Hinerman | Feb 3, 2007 | estate taxes, insurance, life insurance, term insurance, universal life, whole life
Let’s start with definitions of whole life, term insurance and universal life. Whole Life, as a product, is now very rare . These days it is actually more of a generic term referring to permanent, usually universal life insurance. The definitions! Whole life...
by Ed Hinerman | Feb 2, 2007 | children's life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life, whole life
Again, not a subject that most parents these days want to talk about, but it used to be very common. The truth is that the chance of a healthy child dying before adulthood is very small. So, in the minds of most loving parents is the thought, “why even think...
by Ed Hinerman | Feb 2, 2007 | insurance, insurance quotes, life insurance
It’s easy. Just answer no to any health or family history questions. No to foreign travel or dangerous hobbies. No to smoking and give a really healthy sounding height and weight. Follow those directions and you should get the best quote available. Now the...
by Ed Hinerman | Jan 31, 2007 | estate taxes, insurance, life insurance
As we close in on 2010, the year that congress is slated to do away with estate taxes, is there anyone out there that really believes estates won’t be taxed after 2010? Personally I believe the government will take action to leave the estate tax on the books....
by Ed Hinerman | Jan 30, 2007 | insurance, insurance quotes, life insurance, universal life
With literally hundreds of thousand of life insurance policies at risk out there, I just can’t emphasize enough the danger of not reviewing your coverage. This is an agent caused problem, so I believe the prudent direction would be to have your universal life...
by Ed Hinerman | Jan 28, 2007 | guaranteed issue life insurance, insurance, life insurance, term insurance, universal life
One of the most common misconceptions is that there is a waiting period before the insurance would pay. Most people say they’ve heard life insurance doesn’t pay if you die in the first two years of a policy. The confusion lies somewhere between two...
by Ed Hinerman | Jan 26, 2007 | children's life insurance, insurance, Juvenile life insurance, life insurance
Now here’s a subject that 95% of parents don’t want to talk about. No parent wants to think that a child might die and therefore we don’t want to plan for that occurrence. I understand the emotional issue behind it, being a parent myself. Childrens...
by Ed Hinerman | Jan 24, 2007 | insurance, insurance quotes, life insurance
My customers don’t see it as important at all. So, let’s look at the pros and cons of a local versus, say a multi state or even nationally licensed agent. With a home town agent you can shake their hand or beat them with a baseball bat, whatever the...
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