by Ed Hinerman | Mar 14, 2007 | Independent agent, insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
It’s always a good feeling for me when I do a project around the house and end up not needing everything I’ve purchased. Well anyway, it beats the feeling of coming up short and having to make another trip to the lumber yard or hardware store. At least...
by Ed Hinerman | Mar 7, 2007 | Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance, universal life
I’ve found that one of the hardest things to decide when getting quotes for term life insurance is what term length is best. The reason it’s such a challenge is that the truth is that not all of our needs go away at once. A good independent life insurance...
by Ed Hinerman | Mar 6, 2007 | cancer, insurance, life insurance, return of premium term insurance, term insurance
Most people in their 20’s haven’t thought of and don’t care about life insurance, unless possibly one of their parents has died and either did or didn’t have adequate life insurance. Parents, it’s time to talk about the facts of life....
by Ed Hinerman | Mar 2, 2007 | children's life insurance, Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance
Life insurance on a good day is considered by many to be a necessary evil. On a bad day, just a waste of money. Consider the following on a young couple in Alabama, that had just received a quote for term insurance from, of all sources, an AFLAC agent. The wife and...
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 23, 2007 | Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance, universal life, whole life
Yes, believe it or not, life insurance agents make money by selling life insurance. This generally isn’t a problem. It is a commission only business though and the truth is that if you don’t make sales you can’t buy food. For those agents who have...
by Ed Hinerman | Feb 17, 2007 | business life insurance, Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance, universal life, whole life
If you’re an adult with any kind of responsibilities in this world, you should be carrying a life insurance policy. That old saying that “there are two things that are certain in life, death and taxes” has a lot of truth to it. The big difference is...
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...
by Ed Hinerman | Feb 11, 2007 | insurance, life insurance, return of premium term insurance, term insurance
I try never to assume that everyone knows all of the benefits of life insurance. One that is huge beyond measure for your heirs is that the life insurance benefit that you leave behind is not income taxable. Unlike hitting the lottery, the government has graciously...
by Ed Hinerman | Feb 7, 2007 | insurance, life insurance, return of premium term insurance, term insurance, universal life
How many times have I heard that? The conversation goes something like this. “Mr Smith, based on your health information it looks like we should be able to get a $1,000,000, 20 year term policy for $1200 a year, about $100 per month.” Mr Smith counters...
by Ed Hinerman | Jan 26, 2007 | insurance quotes, life insurance, return of premium term insurance, term insurance
Wouldn’t it be great if you could just use life insurance during those years you need it and it you didn’t die, it wouldn’t cost anything? Well, there’s good news for you, maybe. Return of premium term insurance does exactly that. You can take...
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