by Ed Hinerman | Feb 12, 2008 | insurance, life insurance, term insurance, universal life
When I’ve talked to people about universal life insurance products that have guarantees to 120 and longer, I’m often met with a bit of skepticism. People can’t seem to comprehend the idea of living past 100 even though it appears to be a popular past...
by Ed Hinerman | Feb 4, 2008 | insurance, life insurance, term insurance, universal life, whole life
There are two distinctively different schools of thought on how to provide life insurance for your family. One shcool of thought would have you load your policy with cash value on the premise that the cash value can be a savings or retirement account. Whole Life. The...
by Ed Hinerman | Jan 30, 2008 | insurance, life insurance, term insurance, universal life, whole life
You guessed it. I got another trade magazine with an article suggesting that whole life is the only type of life insurance a person should buy. If you don’t buy whole life as the article suggests, you just don’t get it. I have access to whatever life...
by Ed Hinerman | Jan 28, 2008 | insurance, life insurance, term insurance, universal life, whole life
My wife and I are participating in the Dave Ramsey Financial Peace University. I have to admit that for all that I have been blessed with, great financial management skills have not been part of the package. Dave Ramsey is a no nonsense kind of guy when it comes to...
by Ed Hinerman | Jan 10, 2008 | insurance, life insurance, return of premium term insurance, term insurance
This is one fascinating world we live in. I see so many people that bend over backwards to make sure that no matter what happens, their family will not miss a financial beat. They recognize and care deeply about what would happen if they didn’t show up at the...
by Ed Hinerman | Jan 1, 2008 | insurance, life insurance, term insurance
All of you who have taken care of business and have life insurance in force, skip to my next post. You have done the right thing and are to be commended for being for being among the one third of adults who take their responsbilities seriously. As for the rest of you,...
by Ed Hinerman | Dec 28, 2007 | insurance, life insurance, term insurance, universal life
Technology has taken the life insurance business, and everything else, by the throat over the past several years, but for all the savvy geeks have when it comes to how the internet works, is there really any carry over from that intelligence to the basic knowledge it...
by Ed Hinerman | Dec 15, 2007 | insurance, life insurance, term insurance
I recognize as well as anyone just how hard it is to let go of a good deal. There is that human trait that drives us to focus on the bird in the hand and try not to think about the future. The bird in the hand, that low life insurance rate you are paying right now,...
by Ed Hinerman | Dec 13, 2007 | insurance, life insurance, term insurance, universal life
For the past ten years term insurance prices have been pretty steadily declining. A combination of competition, product selection and mortality experience improvement has driven term rates to an all time low. Now the front has shifted to the universal life insurance...
by Ed Hinerman | Dec 12, 2007 | insurance, life insurance, private pilots, term insurance, universal life
There has been a lot of jockeying over the past few years in who can make the best offer on life insurance for pilots. Generally the discussion has been around term insurance. When American General backed out of the aviation market, they took with them virtually the...
by Ed Hinerman | Dec 10, 2007 | insurance, life insurance, return of premium term insurance, term insurance
I’ve talked in the past about a product called return of premium term insurance. It is often touted as “free life insurance”, because if you outlive the term insurance you get a refund of all the premiums paid in. A little more comprehensive take is...
by Ed Hinerman | Nov 30, 2007 | insurance, life insurance, term insurance
Prices are dropping! Save 60% to 70% on term life insurance! We’ve all read the articles and seen the advertisements. We would all like a piece of that less expensive pie to protect our families. But, is it real? Does the agent you are talking to really know how...
by Ed Hinerman | Nov 16, 2007 | blood pressure, cholesterol, cigar smokers, Independent agent, insurance, life insurance, term insurance
Just when you think you’ve seen it all! MSNBC takes the big bucks from Selectquote to misrepresent term insurance on national TV. Suze Orman is given the green light to puke out life insurance stupidity at Oprah’s expense. And now. CNN has obviously...
by Ed Hinerman | Nov 15, 2007 | insurance, life insurance, return of premium term insurance, term insurance, universal life
New York state’s insurance department is inching their way toward the 1980’s in their life insurance product availability. You would have to live there to appreciate (or not), just how antiquated the mortality assumption logic is. A good example, probably...
by Ed Hinerman | Nov 13, 2007 | insurance, life insurance, term insurance
I had a discussion with my Farmer’s Insurance agent the other day. I have my auto, homeowners and office insurance through him. He has great products and offers very good service. He called to ask me about life insurance prices. You see, he is licensed to sell...
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