by Ed Hinerman | Jan 31, 2009 | beneficiary, death benefit, insurance, life insurance, life settlements, mortality, term insurance
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...
by Ed Hinerman | Jan 31, 2009 | cancer, heart attack, insurance, life insurance, term insurance
It’s not likely that I will live long enough to actually hear every argument for not buying life insurance, but the truth is that the only thing that replaces life insurance is liquid assets, wealth. Life insurance really has two main purposes. Peace of mind is...
by Ed Hinerman | Jan 31, 2009 | AIG, death benefit, guarantee, Independent agent, insurance, life insurance, mortality, term insurance, universal life, variable universal life, whole life
Anyone who has health insurance has already, or will soon find out the frustration of having insurance that doesn’t have all of it’s features guaranteed. At any point the dreaded letter can come and your copay can change, your premium can change or your...
by Ed Hinerman | Jan 31, 2009 | insurance, life insurance, suze orman, term insurance
There has been no lack of financial “wisdom” floating around since our economy skipped right past recession and into economic meltdown. The Suze Ormans and Warren Buffets and Dave Ramseys have all espoused the time tested “don’t freak out and...
by Ed Hinerman | Jan 31, 2009 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance, whole life
Ah, the almost age old question, term versus whole life. What is the right thing to do? Forgive me for being more than just a little opinionated on this subject, but personally I think that is a right for anyone that is on the right side of an argument. Whole life...
by Ed Hinerman | Jan 31, 2009 | insurance, life insurance, term insurance
“Should I have life insurance?” The determining question for me is the presence of a need that can’t be met in another way. In a world that is defined a little more each day by I, me, mine, there is a tendency to dismiss the impact that our premature...
by Ed Hinerman | Jan 30, 2009 | insurance, life insurance, term insurance, universal life, whole life
This is a good time to consider how you are paying for your life insurance because as this recession deepens, strict budgeting is becoming more and more a necessity. When it comes to life insurance bills there are definitely different feelings about how often and how...
by Ed Hinerman | Jan 20, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, variable universal life, whole life
I would like nothing more than to be blogging today to humbly admit that I had cried wolf and that all of my screaming about non guaranteed life insurance teetering on the precipice was wrong, but…….. I spoke with a client looking for term insurance about...
by Ed Hinerman | Jan 17, 2009 | insurance, life insurance, term insurance
Not a week goes by that I don’t get to have the “reality” discussion with someone about the fact that life insurance rates have been dropping steadily over the past 10-15 years. That fact is absolutely 100% true for some people. First, the biggest...
by Ed Hinerman | Jan 15, 2009 | cancer, pilot, private pilots, stroke, student pilot, term insurance
One in six men who reach age 26 in our country will not make it to age 64. For women it is one in nine. I live in a small town in the “Heart of the Rockies”, Salida, Colorado. Around here when someone passes away, everyone knows it. When someone passes...
by Ed Hinerman | Jan 14, 2009 | insurance, life insurance, term insurance
It’s tough. No, it’s scary to be proactive in an economic meltdown of the proportions that we are experiencing right now, but it may mean the difference in your family’s future. There’s no surprise that I would want to talk about life...
by Ed Hinerman | Jan 8, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
Since the financial meltdown of 08 began I have been gently screaming my head off for those millions of folks whose life insurance is tied up in whole life and traditional universal life to have it reviewed. Get a reality check!!! There are only a handful of factors...
by Ed Hinerman | Dec 31, 2008 | insurance, life insurance, term insurance, universal life, whole life
When AXA Equitable made it official last week that they were going to discontinue their no lapse guarantee universal life products, I suggested that what we were gazing at was the tip of the iceberg. There is some indication now that Phoenix Life will be announcing...
by Ed Hinerman | Dec 22, 2008 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
I try very hard to get out relevant life insurance information in a timely manner and would hope never to jump the gun and potentially mislead. In this case it appears that while I was a few days ahead of the event, the wolf was in fact on his way. In a post last...
by Ed Hinerman | Dec 18, 2008 | cancer, conversion, Independent agent, insurance, life insurance, term insurance, universal life, whole life
Term insurance policies have a golden egg buried in them call the conversion option. This option allows you to convert all or part of your term insurance policy into a permanent policy without evidence of insurability. This is huge in several ways. Let’s use me...
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