by Ed Hinerman | Jan 6, 2012 | insurance, life insurance, life settlements
Quoting Senator Bill Nelson from 2002, “Buying lottery winnings and life insurance policies has become a routine practice. Buying veterans’ retirement and disability benefits, however, has the semblance of predatory lending…” OK. Let’s...
by Ed Hinerman | Jan 5, 2012 | accelerated death benefit, conversion, insurance, lapse, life insurance, reinstatement
A lot has changed over the past 30 some years in life insurance. Products have been invented and disposed of. Bells and whistles have been implemented and some of them have been disposed of. With a few notable exceptions though, the basic term life insurance policy...
by Ed Hinerman | Jan 4, 2012 | bipolar disorder, decline, insurance, life insurance
I was grazing through Twitter today and came across this gem by Miki Strong, “Transparency in biz earns you trust & respect from your ideal client and filters out those who you’re not ideally suited to help”. It was one of those moments like...
by Ed Hinerman | Jan 4, 2012 | business life insurance, buy/sell life insurance, death benefit, insurance, lapse, life insurance, reinstatement, senior life insurance
Did you know that you have the right to name a second person to receive bills and notices for your life insurance policy? I have no idea what the number really is, but I am betting the number of death benefits that aren’t paid every year due to a policy lapsing...
by Ed Hinerman | Jan 3, 2012 | Foreign National Life Insurance, foreign nationals, insurance, life insurance
As I ease my way into this market it is becoming clear that there are a lot of foreign nationals outside of the US who would like to own US life insurance and it is also becoming clear that it isn’t nearly as cumbersome a task as you might think. Are there hoops...
by Ed Hinerman | Jan 2, 2012 | bipolar, bipolar disorder, insurance, life insurance
I suspect that two things will stay very much the same in 2012. Politics will attempt to suffocate us all and I will be able to reach growing numbers of those with bipolar disorder in the their quest to be treated fairly in acquiring life insurance. Since starting my...
by Ed Hinerman | Jan 2, 2012 | Independent agent, insurance, life insurance, over 50 life insurance
I am starting this new year very optimistically. Thanks to the hard work and savvy of my SEO guy we are reaching more and more of you who have been abused, declined or just left behind by agents or agencies that aren’t into doing the work it takes to properly...
by Ed Hinerman | Dec 30, 2011 | Infinite banking, insurance, life insurance, term insurance, universal life, whole life
I was talking with a life insurance agent friend of mine the other day. He had called to ask me about my ongoing research and interest in the infinite banking or being your own banker concept. He thought there was another route I might want to look at. This agent...
by Ed Hinerman | Dec 29, 2011 | insurance, life insurance
I swear there is full blown conspiracy going on to keep people from having in force life insurance. The conspirators? The life insurance companies and the US Postal service are certainly complicit. This hits hard at a pet peeve of mine anyway. What is with our country...
by Ed Hinerman | Dec 27, 2011 | insurance, life insurance, prostate cancer, PSA
Prostate cancer, we’ve all heard at one time or another, is something that virtually every man will have at some point in his life. While only one in five or so of us guys will ever be diagnosed with prostate cancer, the other four, according to theory and...
by Ed Hinerman | Dec 26, 2011 | court ordered life insurance, insurance, life insurance
For those paying child support or alimony, the court may have also ordered that you carry life insurance for a specified period of time to make sure the commitment is met even if you’re not around to meet it. Most of the calls I get concerning purchasing court...
by Ed Hinerman | Dec 22, 2011 | Anxiety, bipolar, bipolar disorder, decline, insurance, life insurance
I think it’s happened to all of us at one point or another. We go to a doctor or a counselor and they come up with a diagnosis that is so far out of context that you can’t understand how they got from point A to B. There is a very natural tendency,...
by Ed Hinerman | Dec 20, 2011 | conversion, insurance, life insurance, term insurance
I would be the first to insinuate that the agent that sold that term policy to you has a better chance of being in another profession now than not. Good reality check. When was the last time they called you just to let you know they are there if you need them? Far too...
by Ed Hinerman | Dec 19, 2011 | cholesterol, insurance, life insurance
I remember a few years ago when my wife was running scared because her cholesterol on the results from our community health fair were over 200, just barely. Her HDL was 60. She might die from worrying, but her arteries weren’t plugging. Late last week I had a...
by Ed Hinerman | Dec 16, 2011 | A1c, cholesterol, Depression, diabetes, insurance, life insurance
On the subject of fair life insurance underwriting I can certainly be found on both sides of he fence. Sometimes I think the underwriting consideration is completely fair, something that based on the information is something the client is just going to have to accept....
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