by Ed Hinerman | Jun 1, 2012 | AARP, contestability, contestability period, death benefit, insurance, life insurance, senior life insurance
I’ve minced no words over the years about how bad the AARP/New York Life life insurance program is. It is so egregiously over priced and under guaranteed that I swear, if I got selling it to some elderly person in their home, I could be justifiably locked up....
by Ed Hinerman | May 15, 2012 | children's life insurance, insurance, life insurance, private pilots, senior life insurance
I’ve talked about life insurance from one end of life to another, from insurance for children to senior life insurance. The one common denominator is that if someone doesn’t take any action to put life insurance in force there is absolutely no way their...
by Ed Hinerman | May 5, 2012 | AARP, final expense life insurance, insurance, insurance quotes, life insurance, senior life insurance
I just got my monthly reminder from AARP that I have not yet purchased that life insurance through the AARP Life insurance program that I inquired about 5 years ago, and I haven’t talked about senior life insurance or final expense life insurance for a while so...
by Ed Hinerman | Mar 22, 2012 | insurance, life insurance, over 50 life insurance, senior life insurance
I turned 59 the other day and boy am I glad I already have my life insurance in force. I’ve heard that life insurance over 60 really takes a huge jump. But wait, I heard the same thing about over 50 life insurance and that wasn’t exactly true. The absolute...
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 | Dec 3, 2011 | Infinite banking, insurance, life settlements, over 50 life insurance, senior life insurance, whole life
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...
by Ed Hinerman | Oct 21, 2011 | AARP, Burial insurance, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
When you’re over 50 life insurance offers start coming from everywhere. Final Expense insurance. Burial life insurance. The truth is that the senior life insurance market is the most hammered niche in the industry. Why? They think they can push our buttons when...
by Ed Hinerman | Jul 15, 2011 | AARP, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
The life insurance industry, at least the final expense life insurance industry would certainly love for you to believe that over 50 life insurance is a minefield with disaster written all over it. Suddenly you must be perceived as a greater life insurance risk as the...
by Ed Hinerman | Jun 14, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
I wrote an article for Agent Sales Journal in their June magazine titled, “Would you sell that to your mother?” ASJ is an industry magazine and online presence that allows agents to share their opinions. I’ve had several calls from agents since...
by Ed Hinerman | Apr 21, 2011 | final expense life insurance, insurance, life insurance, senior life insurance
Does that sound like a desperate person looking for final expense life insurance? Well, the companies hope so, but that is really the stance of the companies wanting to bank the policies of seniors willing to overpay for life insurance. It’s certainly not news...
by Ed Hinerman | Apr 9, 2011 | AARP, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
A few years ago I shopped for final expense life insurance just to see what was available and being pushed. I knew there was a propensity in the industry to push some really overpriced, under guaranteed products as senior life insurance. I just wanted to experience...
by Ed Hinerman | Mar 24, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
I’ve made no bones about my disdain for the way supposedly reputable life insurance companies treat us seniors. The somehow want us to believe that over 50 life insurance is suddenly different. I’ve been giving some thought to an appropriate analogy that...
by Ed Hinerman | Mar 10, 2011 | final expense life insurance, life insurance, no exam, over 50 life insurance, senior life insurance
When we are over 50 life insurance advertising takes on a whole new twist designed to make you believe that possibly, just possibly, you can’t qualify for insurance that requires an exam. They dangle out there life insurance with “no questions asked”...
by Ed Hinerman | Mar 9, 2011 | Burial insurance, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
There is an entire industry built around the perception that all seniors that need life insurance only need final expense life insurance or burial insurance. There’s some problems not only with the perception but the way the industry markets senior life...
by Ed Hinerman | Feb 25, 2011 | guaranteed issue life insurance, insurance, life insurance, no exam, over 50 life insurance, senior life insurance, term insurance, whole life
If an older person does a search for final expense life insurance, the typical policy that someone in their 60’s or 70’s might want, you could easily be led to believe that the only thing available is guaranteed issue or no exam life insurance (simplified...
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