by Ed Hinerman | Jun 11, 2010 | insurance, life insurance, life settlements
I’ve been very clear for a long time that I think life settlements are ethically wrong and, left unchecked, could cause irreparable damage to the tax advantages that life insurance now has. The question really revolves around the question of insurable interest,...
by Ed Hinerman | Jun 10, 2010 | foreign nationals, insurance, life insurance
I often get calls from companies that would like to offer their products through our agency. Most are companies offering types of insurance that I prefer not to get into. My goal has been to keep it simple. So, with the exception of an occasional disability policy for...
by Ed Hinerman | Jun 9, 2010 | estate taxes, insurance, life insurance
As discussed in numerous posts, the estate tax law as we’ve known it for some time and especially for the last 9 years, through inaction by Congress, got repealed. Not unlike the old native American movie line, “It’s a good day to die”, with no...
by Ed Hinerman | Jun 9, 2010 | insurance, life insurance, term insurance
When Genworth Life and Annuity released their Colony Term/UL a few months ago it became obvious that something was up, or down. With insurance companies raising the prices on term insurance for the last year and a half, this new product overcame some obstacle that...
by Ed Hinerman | Jun 8, 2010 | conversion, insurance, life insurance
It’s become all too apparent over the years that most clients buy life insurance, whether term insurance or permanent, put it in the cabinet and because they never hear from their agent again, there is never an evaluation to make sure it meets your needs as well...
by Ed Hinerman | Jun 7, 2010 | insurance, life insurance, mortality, mortality risk
A lot of people understand why and know that a standard rate approval is coming on life insurance and are happy to get it. On the other side of the coin are those that receive a standard rate approval and are taken aback by it, taking offense to not receiving a better...
by Ed Hinerman | Jun 4, 2010 | blood pressure, cholesterol, insurance, life insurance
That’s a life insurance question that’s easy to quantify in numbers. At age 57 if I wanted $500,000 of 20 year term insurance and I qualified for the best rate class, preferred plus, I could expect to pay $1840 annually, about $161 a month. If for some...
by Ed Hinerman | Jun 3, 2010 | insurance, life insurance, mortality risk
Life insurance rate classes are generally the determining factor in what your premium will be for a given amount of insurance. Plug in your age and the cost per thousand for, say, a standard plus rate class and there it is. While what they are called may vary from...
by Ed Hinerman | Jun 2, 2010 | Anxiety, Depression, insurance, life insurance
Without going into a lot of detail because this blog really isn’t about me, let me say that I am in the midst of coming to grips with some long term depression issues that I have just kept at bay for the last 15 or so years. Because it’s on my mind I...
by Ed Hinerman | May 28, 2010 | insurance, life insurance
Checking my Google Alerts today I came across an article written by the guru of Accuquote, Byron Udell. The premise of his article was that you should always take advantage of the temporary life insurance agreement when applying for a new life insurance policy. He...
by Ed Hinerman | May 27, 2010 | insurance, life insurance
I’ve heard the excuses for not getting that life insurance bought, and I’ve had plenty of people not return calls because they know their excuses are lame. I want to put it off until I lose a little more weight! I don’t want to apply until I’ve...
by Ed Hinerman | May 26, 2010 | death benefit, insurance, life insurance
There is one question that keeps nagging at the periphery of everyone’s thought process when they purchase life insurance. Is the company really going to write a check to my beneficiary when I die? It’s a fair question and not a paranoid thought,...
by Ed Hinerman | May 25, 2010 | blood pressure, high blood pressure, hypertension, insurance, life insurance
I had a screening not too long ago of my carotid artery for any blockage. They also checked the aorta for any sign of aortic aneurysms, and my blood pressure was measured on both arms and both legs to check for any indication of peripheral vascular disease or...
by Ed Hinerman | May 21, 2010 | insurance, life insurance, universal life
I was discussing indexed universal life insurance products with another agent today and our combined conclusion is that most of the companies that are offering it seem to have forgotten that bad things can happen in our country’s economy. But just for the sake...
by Ed Hinerman | May 21, 2010 | bipolar, bipolar disorder, insurance, life insurance
I’m working with a new client who ran head long into an all too common source of being declined for life insurance, company sponsored group life insurance. Her issue? Arguably one of the mildest cases of bipolar disorder I’ve worked on. To be sure, almost...
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