by Ed Hinerman | Feb 3, 2009 | insurance, life insurance, term insurance, universal life, variable universal life, whole life
We’ve discussed a lot of different aspects of how the current recession and economic meltdown can impact life insurance. There’s more to talk about that will be coming soon Certainly any non guaranteed product will see rate increases. That’s no...
by Ed Hinerman | Feb 2, 2009 | blood pressure, decline, high blood pressure, insurance, life insurance, mortality, PSA, stroke, term insurance
The trend never seems to end. Men especially aren’t real keen on regular checkups with their doctors and have this almost childlike view of mortality. They’re sure people get sick and die, but it’s certainly not them or anyone remotely close to their...
by Ed Hinerman | Jan 31, 2009 | beneficiary, death benefit, insurance, life insurance, life settlements, mortality, term insurance
If someone offered you money for your term life insurance policy, which we all know has no value unless you’re dead, would you take it? If you were sick and had been racking up medical bills and someone offered you enough money to pay those bills, let’s...
by Ed Hinerman | Jan 31, 2009 | cancer, heart attack, insurance, life insurance, term insurance
It’s not likely that I will live long enough to actually hear every argument for not buying life insurance, but the truth is that the only thing that replaces life insurance is liquid assets, wealth. Life insurance really has two main purposes. Peace of mind is...
by Ed Hinerman | Jan 31, 2009 | cancer, children's life insurance, diabetes, epilepsy, insurance, life insurance, Type 1 diabetes
The whole subject of life insurance on children has a certain “yuk” factor that comes with it. Parents, even those who would be hard pressed to deal financially with the loss of a child, would really prefer not to talk about it. I would like to throw out...
by Ed Hinerman | Jan 31, 2009 | AIG, death benefit, guarantee, Independent agent, insurance, life insurance, mortality, term insurance, universal life, variable universal life, whole life
Anyone who has health insurance has already, or will soon find out the frustration of having insurance that doesn’t have all of it’s features guaranteed. At any point the dreaded letter can come and your copay can change, your premium can change or your...
by Ed Hinerman | Jan 31, 2009 | insurance, life insurance, suze orman, term insurance
There has been no lack of financial “wisdom” floating around since our economy skipped right past recession and into economic meltdown. The Suze Ormans and Warren Buffets and Dave Ramseys have all espoused the time tested “don’t freak out and...
by Ed Hinerman | Jan 31, 2009 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance, whole life
Ah, the almost age old question, term versus whole life. What is the right thing to do? Forgive me for being more than just a little opinionated on this subject, but personally I think that is a right for anyone that is on the right side of an argument. Whole life...
by Ed Hinerman | Jan 31, 2009 | insurance, life insurance, term insurance
“Should I have life insurance?” The determining question for me is the presence of a need that can’t be met in another way. In a world that is defined a little more each day by I, me, mine, there is a tendency to dismiss the impact that our premature...
by Ed Hinerman | Jan 30, 2009 | insurance, life insurance, term insurance, universal life, whole life
This is a good time to consider how you are paying for your life insurance because as this recession deepens, strict budgeting is becoming more and more a necessity. When it comes to life insurance bills there are definitely different feelings about how often and how...
by Ed Hinerman | Jan 29, 2009 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
I was given a preview of some upcoming changes in diabetes, both type 1 and type 2, life insurance underwriting yesterday. This could open a whole new chapter for some folks that have been shut out due to the high cost or not even being considered based on the type of...
by Ed Hinerman | Jan 29, 2009 | buy/sell life insurance, insurance, life insurance
I wrote some time back about the problems that can potentially occur when a person has life insurance with someone who is not related as the beneficiary. The potential problem only exists during the two year incontestability period when part of the claim process...
by Ed Hinerman | Jan 28, 2009 | cancer, cholesterol, heart disease, insurance, life insurance, mortality, smoking
2001 brought good news for the insurance industry and the consumers of that industry as the new CSO (Commissioner’s Standard Ordinary) 2001 mortality table was released and put into use in determining life insurance rates. By the way, if you haven’t poked...
by Ed Hinerman | Jan 27, 2009 | insurance, kidnap, life insurance, ransom, travel insurance
A client of mine called the other day and asked if I could track down some kidnap insurance for his top executives. They have a very successful world wide company and their success has started to expose them to the realities of being American in places where our...
by Ed Hinerman | Jan 27, 2009 | cancer, heart attack, insurance, life insurance, mortality risk
I rant. I rave. I scream from the rafters. The point I keep making about people’s mortality hit home again for me over the weekend when a 51 year old friend of mine died suddenly at home. Danny was just too young to die. He was too active to die. When I was...
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