by Ed Hinerman | Jul 24, 2007 | cholesterol, insurance quotes, life insurance, term insurance
The old saying that “a bird in the hand is worth two in the bush” is really what I try to drive home about life insurance. Something is always better than nothing when it comes to your beneficiaries. Let me give you a common example. A person applies for...
by Ed Hinerman | Jul 23, 2007 | conditional receipt, insurance, life insurance, no exam, term insurance
When we live, eat and breath life insurance every day, even the best intentioned of life insurance agents may get caught assuming that you already know what is basic to them. The problem comes when you have a misconception of the truth and it changes the whole picture...
by Ed Hinerman | Jul 20, 2007 | cigar smokers, Independent agent, insurance, life insurance, private pilots, prostate cancer, Sleep apnea, term insurance
My grandfather used to do that. He would smoke them and chew them and spit and……well, he had a nicotine habit. Use of nicotine with life insurance companies is a pretty clear cut issue. If you use it, you are in the same rate class as a cigarette smoker....
by Ed Hinerman | Jul 19, 2007 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
If you are a Northwestern Mutual agent you are bred to believe that life insurance without cash value is, by it’s very nature, evil. Northwestern Mutual has term life insurance products, but they are priced so outrageously high as to lead the casual observer to...
by Ed Hinerman | Jul 18, 2007 | insurance, life insurance, term insurance, universal life
While there are plenty of you out there who paid too much for your life insurance and believe I meant to say “the staggering cost of life insurance”, I meant what I said and I would like to again discuss the idea of staggering or layering your term life...
by Ed Hinerman | Jul 18, 2007 | insurance, life insurance, term insurance, universal life, whole life
Many companies and institutions offer retirement options that are based on how much you want guaranteed during your lifetime and how much you want to continue on to your spouse. Given good health and the proper use of life insurance, you can often have your cake and...
by Ed Hinerman | Jul 18, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance, universal life, whole life
Probably the most often asked question in life insurance. What is the difference between term and whole life? I will deal with whole life and universal life at another time, but let’s talk about term and what it’s really made to do. Term life insurance...
by Ed Hinerman | Jul 17, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, term insurance
The thought of a life insurance agent, for many, conjures up a picture of someone showing up at the house and sitting in the living room with you and very often using a flip chart type of graphic to drive home the point about why you need exactly what he came there to...
by Ed Hinerman | Jun 25, 2007 | cancer, insurance, life insurance, melanoma, term insurance
Another overly diligent life insurance shopper shot themselves in the foot today. Remember, three things can happen while you are looking for the best possible rate. One of them is good and I’ve seen people even turn that one against themselves. 1. The good one....
by Ed Hinerman | Jun 15, 2007 | cancer, heart disease, insurance, life insurance, stroke, term insurance
Somewhere in the education system for financial planners, the curriculum missed one little detail. People die unexpectedly! Estate planning attorney’s missed that class also. For all the good that can come from the advice of either profession, none of the advice...
by Ed Hinerman | May 30, 2007 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, Independent agent, insurance, life insurance, term insurance, universal life
Whether it is youthful indiscretion or taking the wrong route in dealing with with real life grown up issues, alcohol and drug abuse are no stranger to anyone. If we haven’t been there ourselves, we certainly know of someone who has. Some never get past it....
by Ed Hinerman | May 17, 2007 | Independent agent, insurance, life insurance, term insurance
So many out there assume they are all set because their job offers this great group life insurance plan. Now don’t get me wrong. If it’s inexpensive I think you ought to take advantage of that. What I’m talking about is putting all of your eggs in...
by Ed Hinerman | Apr 27, 2007 | Independent agent, insurance, insurance quotes, term insurance, universal life, whole life
Hi, My name is Ed Hinerman. I haven’t been selling life insurance forever, but I have been around long enough to see radical changes in products available. I just want to share with you today what I consider to be one of the most troublesome leftovers from the...
by Ed Hinerman | Apr 25, 2007 | final expense life insurance, insurance, insurance quotes, life insurance, term insurance, universal life
I’ve heard some good ones. I don’t want to make her rich. She only needs enough to get by until she can find another husband. What happens if I’m still alive when I reach the end of my term insurance? A lot of excuses for not stepping up and buying...
by Ed Hinerman | Apr 10, 2007 | cholesterol, Independent agent, insurance, life insurance, liver functions, term insurance
A person’s build, their height and weight and how that is distributed, is probably the biggest bone of contention in life insurance underwriting. Unlike lab results like cholesterol or liver functions, people can try to chase the weight rabbit a few different...
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