Level term life insurance is a type of life insurance that lasts a predetermined number of years (the “term”) and is fairly straightforward. Under a level term life insurance policy, you pay premiums for coverage and the insurer provides a death benefit to your loved...
Life Settlements versus Structured 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...Is Infinite Banking Only For The Young?
I know. It even showed up in my local paper. “Ed Hinerman Says Whole Life Insurance Without Gagging”! Well, the reflex is still there but I have been fighting it while I investigate whether there is a place in my universe for dividend paying whole life...Another Chink In The Armor Of Life Settlements!
I’ve been very clear for a long time that I think life settlements are ethically wrong and, left unchecked, could cause irreparable damage to the tax advantages that life insurance now has. The question really revolves around the question of insurable interest,...The Secondary Market For Life Insurance!
The used car lot of the life insurance business. The lot where the worse shape the trade is in, the higher the trade in value. The market I’m talking about is what I believe is going to end up being the life insurance industry’s biggest black eye and...Do You Really Want To Invest In Other’s Deaths?
Every day in insurance news there is a reminder that the whole issue of life settlements and particularly life settlements as investment portfolios just really couldn’t be more ethically and morally wrong. This is a subject that I’ve minced no words on...Life Settlements Suddenly News?
Life settlements, for the life insurance industry, is kind of like when you’ve been whacked in the face and it hurts, but the swelling and discoloration of the black eye hasn’t shown up yet. Life settlements or viatical sales of life insurance policies has...Even Politicians Think Life Settlements Are Wrong!!
I just came across a Huffington Post article written by someone running for office who just discovered that life settlements didn’t go away in the 1980’s. She was mortified to learn that their city retirement investment pool included what she called...Premium Financing A Life Settlement? Strike Three You’re Out!
I’ve never minced words about what a horrible idea life settlements are. A life settlement is when you sell the ownership of a life insurance policy on yourself for some amount of money, and they are then the owner and beneficiary when you die. Personally my...When You Get On Board With Your Agent!
A month or so ago I talked about a client of mine who, over the course of 4 years, has been working with me to get his rate down from the very first approval we were able to get through Empire General at a table 8, to a just approved standard plus rate with Banner...Are Life Settlements A Good Idea?
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...A New Take On Life Settlements For Term Insurance Policies!
I’ve made no bones in the past about my issues with the life settlement or viatical market. In addition to the fact that many life insurance companies are opposed to the practice, I have not been convinced that it is an ethical practice. The idea of someone in...Protective Life Puts Foot Down On Life Settlements!
I think you can count on seeing this type of stance from more and more companies. Protective sent a memo out to agents today stating, “Protective Life Insurance Company will not issue life insurance policies planned to be re-sold in the secondary market, often...Could Life Settlements Cause Life Insurance Rates To Rise?
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...Where I Stand On The Subject Of Life Settlements!
This is an area involving life insurance that is receiving more and more attention and a topic where the troops (life insurance agents) are definitely divided. A life settlement involves the sale of your policy to a third party. The third party takes over ownership,...The Hinerman Group
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!What Our Client's Have to Say
Joseph D'Angelo
20:43 28 Jul 20
Ed has been my insurance rock for decades. He's trustworthy, cordial, efficient and diligent. He checks in on me... frequently to see if I'm in need of anything. He's always made me feel like not just a client but a friend. The Hinerman Group deserves my highest recommendation. Joe D'Angeloread more
Dan Lifton
19:22 28 Jul 20
Ed is a consummate professional. He always had my best interests in mind and provided excellent service, including... follow up to ensure that we were happy. I would strongly recommend him.read more
Sherry Braden
15:06 18 Jul 20
Ed has been an invaluable consultant and truly, a friend! His advice and wisdom is a real asset in making decisions... regarding life insurance, one of the most important decisions in life. I would recommend Ed to anyone needing a calm, measured and thoughtful agent to help in getting the insurance you need and not what someone would just "hope" to sell to you.read more
Brian Wolfe
21:45 13 Jul 20
I've known Ed for 16 years now and he has helped me when other insurance providers either turned me down or simply... didn't want to deal with me at all. I have a lot of medical issues that make it difficult if not impossible to be insured but Ed worked with me to keep my policy active. He also gave me a 'heads-up' to save me money by renewing prior to an age related rate increase. I would recommend Ed (and have) to anyone looking for coverage- one of the nicest guys I've ever had the pleasure of knowing.read more
Michael King
22:14 24 Jun 20
In the business of Insurance there are so many to chose from. My decision was correct when choosing Ed Hinerman. He... works hard to get me the best policy and is responsive to my calls and emails.read more
Deloyd Johnson-Jones
21:40 22 Jun 20
Ed is a pleasure to work with. He was there when I needed someone to listen and advise. He assisted me when no one... else could. I am very grateful and appreciative of his commitment and dedication to customers. I highly recommend him and his firm!!!read more
Sue Corriea
16:55 21 Jun 20
Ed has been our insurance agent for over 25 years. We think of him as a friend. He has always been there to give us... quick, accurate, and compassionate advice during the ups and downs of our lives. We trust Ed and the Hinerman Group to always have our best interest at heart. Our words to describe Ed...knowledgeable, trustworthy, a friend.read more
Travis Pflanz
16:09 07 May 20
Ed recently hired my company, Search Centered Digital Marketing, to work on a small project for Hinerman Group. Ed was... detailed in his communication and in-depth in his questions regarding the process. Ed was a great client and I have all confidence in recommending my CO friends to Ed for all their home and life insurance needs.read more
Dr. Kenneth R. Eye II
16:37 16 Apr 20
Ed Hinerman has been my life Insurance agent for the past 7 years. Impeccable service that is professional, prompt and... informative. Ed knows where to shop to get the most from insurance carriers that I do not have access. Ed understands my needs as a doctor and business owner. If you are looking for an agent you can trust that is full service than let Ed represent you. He has access and relationships to chief underwriters at insurance carriers able to offer great terms and premiums to insure high net worth individuals and the resources to give you introductions beyond life insurance to other trusted agents for disability, key man and office overhead. Thanks, Ed!read more
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