by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Mar 6, 2009 | business life insurance, insurance, key man insurance, life insurance, return of premium term insurance, term insurance
In our current economic meltdown there are a lot of people out there trying to say that the government or big business are trying to run our country. What this country really runs on is small businesses and what really makes those businesses work is the owners or the...
by Ed Hinerman | Aug 4, 2008 | Independent agent, insurance, key man insurance, life insurance, universal life, whole life
Every once in a while I talk with a client who explains to me what they need from their life insurance policy and what the last agent they dealt with sold them and it leaves me wondering if the agent heard anything the client said. Or, perhaps, the last agent just...
by Ed Hinerman | Jun 6, 2008 | diabetes, epilepsy, heart disease, insurance, key man insurance, liver functions, long term care, obesity, return of premium term insurance, universal life
There is a common misconception that has floated around for the past 100 years or so of my life that if a person has cardiac problems, a heart attack, or coronary artery disease (CAD) requiring heart bypass surgery or an angioplasty, they are irreparably damaged in...
by Ed Hinerman | May 22, 2008 | Independent agent, insurance, key man insurance, life insurance, return of premium term insurance, term insurance, whole life
Return of premium term life insurance is certainly a hot topic these days, so where do you turn to get an unbiased analysis of whether or not it is a good fit for your financial needs? I guess my best advice is simply to steer clear of anyone that thinks it’s...
by Ed Hinerman | Feb 21, 2008 | business life insurance, insurance, key man insurance, life insurance, return of premium term insurance, term insurance
I swear, where a year ago I was thinking New York would probably miss this century also, they have now rocked the life insurance world by approving return of premium term insurance for sale. Return of premium has been available in the rest of the country for years,...
by Ed Hinerman | Feb 14, 2008 | business life insurance, buy/sell life insurance, insurance, key man insurance, life insurance
Small businesses, the backbone of American employment, often run by the slimmest of margins. I’m not talking about profit margins. I’m referring to the owner or one of the owners being just a heart attack away from leaving their family with the business or...
by Ed Hinerman | Feb 25, 2007 | business life insurance, buy/sell life insurance, final expense life insurance, Independent agent, insurance, insurance quotes, key man insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
My mother never told me running a small business was easy. In fact it went something more like, “wouldn’t you be better off getting a real job?” Whether you are in business for yourself, or work for someone, your future can be in jeopardy if you, or...
by Ed Hinerman | Feb 16, 2007 | business life insurance, Independent agent, insurance, key man insurance, life insurance, private pilots, return of premium term insurance
This is a country made of small businesses and generally speaking, all of those that have employees have managers. As long as I am sailing with generalities, I think it’s safe to say that a good manager is a very valuable asset. Which leads me to another...
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