by Ed Hinerman | Nov 9, 2007 | cholesterol, heart attack, insurance, life insurance, term insurance
I know there is logic galore for putting off the purchase of life insurance until just the right time, or until you’re just the right weight, or until your cholesterol is just the right level…..and the logic fails completely when you drop dead before you...
by Ed Hinerman | Nov 6, 2007 | insurance, life insurance, term insurance, universal life
For those of us who maintain that there is some value in keeping our life insurance licenses unscathed and not getting our pants sued off, the life settlement business has just been one of those things that just hangs out there. The life settlement business has...
by Ed Hinerman | Nov 1, 2007 | insurance, life insurance, obesity, term insurance
For those that do read my blog, you might be thinking that I’ve made it my mission in life to point out everything wrong with obesity. And to some extent I have. But I hope the reason isn’t lost in all of the information I provide. I care deeply about...
by Ed Hinerman | Oct 31, 2007 | business life insurance, insurance, life insurance, term insurance
A what you say? To put in more meaningful terms, if your employer died today, would the company continue to exist? Is there a plan in place to keep the business going? If not, is there a plan in place to soften the economic impact on employees, especially key...
by Ed Hinerman | Oct 30, 2007 | business life insurance, children's life insurance, guaranteed issue life insurance, insurance, life insurance, term insurance, universal life, whole life
I had an email from a potential client today that said “I am looking for reasonably priced life insurance where there are no health questions and/or physical exam. If your group can fullfill these requirements than you can contact me”. There are a lot of...
by Ed Hinerman | Oct 24, 2007 | insurance, life insurance, term insurance
There are a lot of women out there who pay attention to the advice that comes from the Oprah show and when it comes to finances, it’s Suze Orman. Run from this woman if she tries to give you life insurance advice. As a life insurance professional I found it...
by Ed Hinerman | Oct 18, 2007 | gastric bypass, insurance, life insurance, obesity, term insurance
Obesity is at epidemic levels in the US. In the past 20 years the trend toward obesity has been dramatic to the point where there are now only 4 states, Hawaii, Colorado, Massachusetts and Rhode Island, where less than 20% of the population has a body mass index of...
by Ed Hinerman | Oct 17, 2007 | Biggest Loser, Fat March, insurance, life insurance, obesity, term insurance
In previous blogs I covered the ABC weight loss reality show Fat March. The mode of operation was to walk 580 miles from Boston to DC. The weight loss was dramatic, but I mentioned in more than one post that it seemed that the single focus exercise and the brutal...
by Ed Hinerman | Oct 16, 2007 | insurance, life insurance, term insurance
The truth is that most of us, if someone else was paying the bill, would carry more life insurance than we do. When I work with people to come up with a life insurance plan I always insist that they consider budget and do as much as they can within a budget they can...
by Ed Hinerman | Oct 9, 2007 | Biggest Loser, insurance, life insurance, term insurance
After episode 3’s relatively low weight loss, except for the red team, weight starting falliing off again. Again, my goal with this blog is not to talk about the drama of the game, but rather the health and life insurance aspects of weight loss. With each weigh...
by Ed Hinerman | Oct 7, 2007 | estate taxes, Independent agent, insurance, life insurance, term insurance, universal life
Most life insurance trusts are funded by permanent insurance, either universal life or whole life. This is generally not an inexpensive proposition, but compared to estate taxes, by far the smaller hit. I mentioned in a previous post that the ownership of a policy...
by Ed Hinerman | Sep 24, 2007 | insurance, life insurance, term insurance, universal life
I feel like I’m in a movie, a thriller called Universal Life Exposed. Rather than getting the movie right and then releasing it, each time a viewer doesn’t get the plot, we re-shoot the movie. So, Universal Life Exposed, scene 1, take...
by Ed Hinerman | Sep 22, 2007 | Anxiety, cancer, cholesterol, Depression, heart disease, insurance, life insurance, private pilots, term insurance, universal life
For the next several weeks I will be occasioanally giving information on the companies that I use. Each of these companies has a strong point or they would’t be in my portfolio. Each of them has weak points and these are things I consider when I am...
by Ed Hinerman | Sep 16, 2007 | Burial insurance, estate taxes, final expense life insurance, insurance, life insurance, term insurance, universal life, whole life
Term insurance or whole life? Term insurance or universal life? How should you decide just what product best fits your need for protection for your family? I’ve discussed in numerous posts how to determine the proper term length and the proper use of term...
by Ed Hinerman | Sep 12, 2007 | insurance, life insurance, term insurance, universal life
Within the next month or so I expect we will be announcing an affiliation that will allow us to write both term insurance and universal life insurance all over the world. In a previous post I had mentioned that we had found a company that was willing to write...
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