by Ed Hinerman | Oct 7, 2008 | blood pressure, cancer, decline, diabetes, Fat March, heart disease, high blood pressure, Independent agent, insurance, Juvenile life insurance, life insurance, obesity, stroke, term insurance, universal life
If you talk to most life insurance applicants who fall into the obese or morbidly obese categories according the their BMI, they have usually been told that they aren’t insurable or that the prices are so high as to render uninsurable because they can’t...
by Ed Hinerman | Oct 2, 2008 | estate taxes, insurance, life insurance, term insurance
Where the heck did my net worth go? This has been one tough month on those of us who are actually middle class enough to care what happens to our retirement investments. For many it is a scramble to get your money to a safe place, with people scrambling to move money...
by Ed Hinerman | Sep 22, 2008 | blood pressure, high blood pressure, Independent agent, insurance, life insurance, term insurance
I understand that most people go and stay where they are the most comfortable. That’s why so many people end up buying overpriced life insurance through their auto and homeowner’s agent, agents that are captive to companies like Farmers, State Farm, Farm...
by Ed Hinerman | Sep 19, 2008 | AIG, Independent agent, insurance, life insurance, term insurance, universal life, whole life
With the federal bail out and takeover of AIG a few days ago it is now pretty apparent that assets from the insurance giant will be up for sale soon. With the terms of the bailout loan only being two years in length and at an interest rate of 11.5%, while there...
by Ed Hinerman | Sep 18, 2008 | insurance, life insurance, term insurance, universal life, whole life
There seems to be a fairly prevalent lack of understanding about term insurance, whether it’s the right product and if it is, how to determine which term is best for you. So, a little term 101. Hopefully I won’t leave everyone scratching their head....
by Ed Hinerman | Sep 16, 2008 | AIG, Independent agent, insurance, life insurance, term insurance, universal life
Wow, what a day. What a week! What a year! Being an independent life insurance agent, one of about 57,000 who have American General, AIG in their portfolio, I have had the opportunity to discuss the whole financial crisis of AIG several times today. I have also see...
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 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 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 19, 2008 | Independent agent, insurance, life insurance, term insurance
I think I’ve made my position pretty clear when it comes to where the best values on life insurance can be found and the fact that your local auto and homeowners agency is not that place. I feel the need to expound today. You see advertisements all the time with...
by Ed Hinerman | Aug 18, 2008 | insurance, insurance quotes, life insurance, term insurance
I am a graduate of Dave Ramsey’s Financial Peace University and a firm believer in his financial guidance and yes, his thoughts on life insurance. I believe that both his passionate belief that people should have life insurance and that for almost everyone it...
by Ed Hinerman | Aug 14, 2008 | insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
Is return of premium term life insurance the right choice for you? What about a permanent universal life policy that will return your premium if you decide you no longer need it, or can no longer afford it? So let’s bust one myth right away. A lot of people...
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!
Recent Comments