by Ed Hinerman | Sep 15, 2008 | Independent agent, insurance, life insurance, term insurance, universal life
I’ve fielded a number of questions in the past several days concerning AIG, American General Life. With AIG, American International Group, taking a beating in the last quarter, mainly due to the mortgage meltdown and its’ exposure to that, clients who have...
by Ed Hinerman | Sep 15, 2008 | insurance, life insurance, term insurance
The financial justification for most personal life insurance really comes down to income replacement. If, for instance, I am making $60,000 a year and I have a family, even just a wife, who is dependent on that income. The whole premise with life insurance is that if...
by Ed Hinerman | Sep 12, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
We have been blessed with a lot of success in helping those with well controlled bipolar disorder, anxiety disorder and depression, find life insurance companies who will, first and foremost, give them a fair hearing and secondly, make fair offers on coverage. I was...
by Ed Hinerman | Sep 11, 2008 | cancer, insurance, life insurance
Another one of those times like for me, JFK’s death, when you absolutely remember where you were and how it felt when you heard the news. Our prayers continue to go out to every family affected by the events that day. I remember getting a call about a week after...
by Ed Hinerman | Sep 10, 2008 | Independent agent, insurance, life insurance, universal life
As the economic stomach keeps on turning, I raise the cry once again for people with universal life insurance policies to get them reviewed. If a policy is not guaranteed to remain in force to age 100 or beyond with a guaranteed level premium, and hellooo, MOST...
by Ed Hinerman | Sep 10, 2008 | insurance, life insurance
I was just listening to the woes of a friend whose son has recently hit puberty and is now pounding life with an attitude hammer. She is pulling her hair out as we all do when we can’t figure out who abducted our children and left a look alike disrespectful...
by Ed Hinerman | Sep 9, 2008 | blood pressure, cancer, diabetes, gastric bypass, heart disease, high blood pressure, insurance, life insurance, liver functions, obesity, stroke
Remember the good old days when livers were done in by drinking too much? Cirrhosis of the liver can eventually lead to liver failure or liver cancer, kind of a no win situation unless you have a spare hidden in the closet. Now studies show that obesity can lead to a...
by Ed Hinerman | Sep 9, 2008 | insurance, life insurance, life settlements, term insurance
I always seem to take a public beating when I bring up life settlements because I’m opposed to them and those who aren’t really take offense to those of us who are. But, to the question. Could increased sales of life settlement contracts lead eventually to...
by Ed Hinerman | Sep 8, 2008 | cancer, diabetes, heart attack, insurance, life insurance, obesity
It’s always good to talk to people who have come through major health issues like heart attacks or cancer and have taken the bull by the horns and made life style changes that will likely add years to their lives and a bonus of quality to go with it. Then there...
by Ed Hinerman | Sep 8, 2008 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
To me it is amazing the number of people with type 1 diabetes and type 2 diabetes who not only can’t tell you what their last hbA1c level was, but honestly don’t know what I am referring to when I am gathering information vital for finding them the best...
by Ed Hinerman | Sep 5, 2008 | Independent agent, insurance, life insurance, universal life, whole life
Cash value! Sounds good when you say it. If your whole life or universal life insurance policy has performed well it may even be kind of fun to look at, but don’t, I repeat don’t accept their annual invitation to dip into it. When cash value starts...
by Ed Hinerman | Sep 4, 2008 | insurance, life insurance, term insurance, universal life, whole life
As I work with clients to put together the best life insurance plan for their family I frequently run up against kind of a mental block when it comes to term insurance. Some people just have a hard time with the idea that they are buying life insurance that they might...
by Ed Hinerman | Sep 2, 2008 | estate taxes, insurance, life insurance, term insurance
If the proposed changes in the estate tax laws are adopted by congress, and it looks like they will be, the exemption limits will finally be sufficiently high enough to protect the majority of John McCain’s middle class from having the pants taxed off of their...
by Ed Hinerman | Sep 2, 2008 | insurance, life insurance, term insurance
A fairly frequent occurrence when I am consulting with a new client is for me to suggest that they consider two or more policies, usually staggering the term insurance lengths to more closely mirror their true need. This often triggers the question, “Is it OK to...
by Ed Hinerman | Aug 28, 2008 | insurance, life insurance
With the best of intentions (usually) people often try to arrange life insurance policies that lack on critical component with the insurance companies, insurable interest. Insurable interest quantifies the actual financial loss a beneficiary would incur upon the death...
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