by Ed Hinerman | Nov 1, 2011 | Banner Life, insurance, life insurance, term insurance, West Coast Life
In what appears to be a screeching halt to the bottoming out of term insurance prices, several companies moved within the past month to unseat perennial term insurance giant Banner Life, a subsidiary of Legal and General America. Banner responded today by lowering...
by Ed Hinerman | Oct 27, 2011 | cash value, foreign nationals, insurance, life insurance, term insurance, whole life
Having spent a good deal of my career steering folks away from whole life insurance I found it fascinating to be talking to a customer that came to me and told me exactly what she wanted to buy. She wanted to do the business through me and it was whole life insurance...
by Ed Hinerman | Sep 26, 2011 | insurance, life insurance, over 50 life insurance, term insurance
Here we go again with the economy and all of our investments. Just as I did a few years ago I need to dust off a bit useful suggestion and reach out again. Investment counselors are trained to say that the market is cyclical and that you shouldn’t freak out in...
by Ed Hinerman | Sep 21, 2011 | conversion, insurance, life insurance, Lincoln National, over 50 life insurance, rate increase, term insurance, universal life
If you’re in your 30’s life insurance backdating is not an issue that you probably need to know about or even consider simply because, at your age, the cost of insurance doesn’t change much, if any, from year to year as you get older. Not so when...
by Ed Hinerman | Sep 14, 2011 | Dave Ramsey, insurance, life insurance, smoking, term insurance
I had a call today from a couple who had stepped up to the plate a little over two years ago when they decided it was time to have a baby and they quit smoking. Now these weren’t real serious cigarette smokers, maybe smoking one in the evening or if they were...
by Ed Hinerman | Sep 8, 2011 | heart disease, Independent agent, insurance, life insurance, term insurance
Most people are familiar with the standard rate classes for life insurance. From the very best they usually go something like preferred plus, preferred, standard plus, standard. Different companies may call them something different, or only have three standard classes...
by Ed Hinerman | Aug 24, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, term insurance
For many families in the economy of the past five years the question has changed from when retirement will come to how long a person can work. Along with that change, the question of what life insurance portfolio structure is most prudent for seniors has changed...
by Ed Hinerman | Aug 18, 2011 | insurance, life insurance, term insurance, whole life
I can hear the whole life insurance guys once again musing about what kind of a nut case would recommend term life insurance during crazy economic times. Well guys, I’m back!! For those over 50 and over 60 life insurance may be the only way to salvage the...
by Ed Hinerman | Aug 9, 2011 | insurance, life insurance, mortality, mortality risk, term insurance, whole life
The 70% savings lure in life insurance advertising is probably been so used that it is a brand by itself. Never mind the companies the promote it, who wouldn’t want to save 70% over what they are currently paying for a comparable life insurance product. So, the...
by Ed Hinerman | Jun 22, 2011 | conversion, insurance, life insurance, term insurance, universal life
I got a company memo today, that in light of all of the companies who have gone the wrong direction in the last year, caught my eye. “Delivering on Promises”. I wasn’t even sure what it was going to be about but I was pretty sure this would be...
by Ed Hinerman | Jun 21, 2011 | life insurance, term insurance, universal life, whole life
The debate will probably continue well past me and all of those joined in the discussion at this time. Is term life insurance an appropriate financial planning tool? The debate used to be term insurance versus whole life insurance. Then came universal life insurance...
by Ed Hinerman | Jun 1, 2011 | insurance, life insurance, term insurance, whole life
I had a comment to a post I wrote last year over the weekend. This person stated, “As a non financially educated guy, I have a really hard time understanding how people in the same industry can have such varying opinions how to insure oneself.” This...
by Ed Hinerman | May 4, 2011 | Dave Ramsey, life insurance, private pilots, term insurance
Dave Ramsey still swears that Zander Insurance is the place to get the best deal on term life insurance. “Use Zander’s online quoting system to search for the most competitive term life insurance plans available”, Dave says. I have a lot of respect...
by Ed Hinerman | Feb 25, 2011 | guaranteed issue life insurance, insurance, life insurance, no exam, over 50 life insurance, senior life insurance, term insurance, whole life
If an older person does a search for final expense life insurance, the typical policy that someone in their 60’s or 70’s might want, you could easily be led to believe that the only thing available is guaranteed issue or no exam life insurance (simplified...
by Ed Hinerman | Feb 14, 2011 | insurance, life insurance, senior life insurance, term insurance, whole life
There is probably no age group market that is more sought after or more abused than the senior life insurance market. What a wake up call it was (several years ago) when I flew past 50 and started getting offers for life insurance for seniors. Being a life insurance...
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