by Ed Hinerman | Jul 8, 2009 | insurance, life insurance, term insurance
In the May 2009 issue of Wealth Manager Warren Buffet was quoted as saying, “It’s only when the tide goes out that you learn who’s been swimming naked.” That couldn’t be more true when it comes to this past year’s economy and those who didn’t use...
by Ed Hinerman | Jul 7, 2009 | insurance, life insurance, universal life
I received an email from North American Life today touting their indexed universal life products as the second coming of the 1980’s. I can’t believe that life insurance companies still lean on agents to push non guaranteed assumptions on unsuspecting...
by Ed Hinerman | Jul 7, 2009 | insurance, life insurance, New York Life, term insurance
New York Life has started a newsletter on Twitter and decided to follow me, I suspect because of this real fondness I have for their overpriced term products, their love of whole life and the commissions they get from it, and last but by no means least, their sick...
by Ed Hinerman | Jul 6, 2009 | insurance, life insurance, term insurance
There is a point that us old guys reach where no matter how healthy we improve our mortality risk in the next year we just aren’t going to be able to get life insurance cheaper than we can today. I just had this delicate conversation with a 61 year old man who...
by Ed Hinerman | Jul 6, 2009 | insurance, life insurance, smoking
Life insurance has this whole little underwriting niche that comes under the heading of lifestyle. It’s not about health or family history and it’s not about your lab results, it’s about, well, your personal life. Probably the most common lifestyle...
by Ed Hinerman | Jul 2, 2009 | insurance, life insurance, universal life
It’s certainly not breaking news. But it has been important and timely and will remain important and timely for many years. A very high percentage of the universal life policies in force today are in trouble due to the abhorrent sales pitches of those life...
by Ed Hinerman | Jul 2, 2009 | insurance, life insurance, stroke
No one loves a good value better than me. I don’t take lightly buying almost anything and I really don’t take lightly committing myself to making payments for something like life insurance. Having said that, there is a problem when people want to suck the...
by Ed Hinerman | Jul 1, 2009 | insurance, life insurance, smoking
I would be the last person in the world to say that habits are easy to change, especially bad, life long, ingrained habits. But no kidding, there are some cases I really can’t wrap my mind around. The one that caught my “you’ve got to be...
by Ed Hinerman | Jun 30, 2009 | insurance, life insurance, women
There is a misconception about the life insurance underwriting stance on applications during pregnancy. For the most part, at least during the first two trimesters companies don’t have any issues with approving applications. The tricky part comes in the third...
by Ed Hinerman | Jun 30, 2009 | incontestability, insurance, life insurance
In researching a post written a few weeks ago on how to bind a life insurance application I failed to find any companies still using the tool of choice from the past, the Conditional Receipt. All of the companies I found in my original sweep were using the far...
by Ed Hinerman | Jun 29, 2009 | bipolar disorder, insurance, life insurance
Just recently I was helping a client with bipolar disorder get life insurance for his young family. He had been declined before and told me that he wanted $500,000 of term insurance. After shopping the case we got an offer of potential preferred best rates from one...
by Ed Hinerman | Jun 26, 2009 | insurance, life insurance
In an article called Generations at Risk in a recent trade publication called insurancenewsnet magazine, LIMRA, an industry research organization divided the generations and laid out some interesting facts about our take on life insurance and where we buy it. Probably...
by Ed Hinerman | Jun 26, 2009 | insurance, life insurance, rate increase, term insurance
Reliastar has come up with a new approach to rate changes reminiscent of last fall’s presidential campaign. Their word to agent’s, Change is Good! They show the good side of their announcement, that some of their rates in a few selective places will...
by Ed Hinerman | Jun 25, 2009 | insurance, life insurance
It took an event like the current recession for many people to finally recognize the importance of life insurance in financial and retirement planning. Financial planners have always advocated the use of life insurance to cover the “what ifs” in your...
by Ed Hinerman | Jun 25, 2009 | cancer, heart attack, insurance, life insurance, mortality
Life insurance is, always has been and always will be, about offsetting those financial losses that come with premature death. The problem that most people have with the concept is, that in spite of all of the evidence to the contrary, they seem to have a hard time...
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