by Ed Hinerman | Nov 14, 2011 | insurance, life insurance
Once in a while I’m asked what sets me apart from other agents or especially from the giant online agencies. Why would a person choose to do business with me? My daughter interviewed for a job yesterday and was asked why they should pick her out of the four...
by Ed Hinerman | Nov 9, 2011 | accidental death, business life insurance, insurance, life insurance, Lloyds of London
In business we don’t always have the luxury of waiting to buy business life insurance when it’s a better value or more convenient. When the bank says now… When the court judge says now… When a large financial agreement is waiting for life...
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 | Nov 7, 2011 | business life insurance, buy/sell life insurance, foreign nationals, insurance, key man insurance, life insurance
Without proper business life insurance in force the family of a deceased partner in a business could stand to lose the portion of the business that their loved worked long and hard to create, and to leave as a legacy. A succession plan for a business, whether a...
by Ed Hinerman | Nov 5, 2011 | Infinite banking, insurance, life insurance, pilot, private pilots
Although I am new to infinite banking, the use of participating whole life insurance as a financial tool, the fact that it is funded by life insurance means that the agent can make all the difference in whether the concept works to its’ maximum. A huge part of...
by Ed Hinerman | Nov 4, 2011 | Infinite banking, insurance, life insurance, term insurance, whole life
I confessed last week that I may have finally found something less than dreadful to say about whole life insurance. This day that no one ever saw coming, came through the back door a few weeks ago when I got a call asking specifically for a quote on a participating...
by Ed Hinerman | Nov 4, 2011 | Active Duty Military Life Insurance, insurance, life insurance
We have hundreds of thousands of military families that have their future at risk even as our government tries to disengage from one war and figure out an exit strategy from another. The government offers active duty military what is called SGLI, Service...
by Ed Hinerman | Nov 1, 2011 | Banner Life, insurance, life insurance, term insurance, West Coast Life
In what appears to be a screeching halt to the bottoming out of term insurance prices, several companies moved within the past month to unseat perennial term insurance giant Banner Life, a subsidiary of Legal and General America. Banner responded today by lowering...
by Ed Hinerman | Oct 31, 2011 | cholesterol, Dave Ramsey, ING Reliastar, insurance, life insurance
There seems to be a mindset that life insurance applications probably won’t be approved at the rate that was quoted and applied for. This is a far more prevalent mindset today with so many hundred of thousands of applications being jammed through life insurance...
by Ed Hinerman | Oct 30, 2011 | accidental death, Active Duty Military Life Insurance, civilian contractors, foreign travel, hazardous activities, insurance, life insurance
This is one of those subjects that I write about all the time and pray about every day. It involves an area of my business that I don’t make much money in, but it is an area that I care about as much as, if not ore the rest. I want everyone to have life...
by Ed Hinerman | Oct 28, 2011 | accidental death, business life insurance, buy/sell life insurance, insurance, International Business insurance, key man insurance, life insurance, Lloyds of London
I remember when a one world economy was the stuff that movies and books were made of. Conspiracy theories were rampant about a global economy kind of being the beginning of the end. So, the reality is that we are there. That is us. There are certainly plenty of home...
by Ed Hinerman | Oct 27, 2011 | cash value, foreign nationals, insurance, life insurance, term insurance, whole life
Having spent a good deal of my career steering folks away from whole life insurance I found it fascinating to be talking to a customer that came to me and told me exactly what she wanted to buy. She wanted to do the business through me and it was whole life insurance...
by Ed Hinerman | Oct 26, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
Ok, so occasionally I’m like a broken record (dated myself on that one) and can’t quite let go of an injustice. My Mom thinks that’s a good thing and my wife says as long as it doesn’t affect my blood pressure she’s good with it…so...
by Ed Hinerman | Oct 25, 2011 | business life insurance, buy/sell life insurance, executives, Foreign National Life Insurance, foreign nationals, foreign travel, insurance, key man insurance, life insurance
Impaired risk life insurance has always been the cornerstone of our business. That decision to take the life insurance agent path less traveled has proven to be a blessing for our clients and for me. The majority of agents are after the majority of clients. Clients...
by Ed Hinerman | Oct 22, 2011 | accidental death, foreign travel, insurance, life insurance, Lloyds of London, terrorism, travel insurance
Anyone who has served in the international Christian mission field and has tried to get life insurance has probably discovered that almost all life traditional insurance companies will decline missionaries. For instance an individual who is planning on serving as a...
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!
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