by Ed Hinerman | Feb 14, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, term insurance
Being over 50 myself I read that title and my mind immediately went to the thought that, “Well of course it has new meaning. We’re a lot closer to using it.” Whoa, admitted my own mortality there! But what I want to get at is the fact that the needs...
by Ed Hinerman | Feb 12, 2011 | AIG, conversion, guarantee, insurance, life insurance, term insurance
I’ve always been an advocate of buying a term life insurance length, or multiple term insurance policies that reflect your actual life insurance needs with different term lengths. Due to some recent changes in conversion options I am considering an amendment to...
by Ed Hinerman | Dec 9, 2010 | conversion, life insurance, term insurance, whole life
Published 12/9/2010, updated 11/25/2019 2009 saw some revolutionary changes in term life insurance, and when I use the word revolutionary I am thinking more like the revolutionary war than revolutionary as in good change. In 2009 there was the introduction of the...
by Ed Hinerman | Nov 23, 2010 | life insurance, term insurance, whole life
Consider this my little Thanksgiving treat to the life insurance world. I am about to say something very positive about whole life insurance. So often I’ve beat whole life to death in comparing it to term life insurance, but Happy Thanksgiving! The whole life...
by Ed Hinerman | Nov 9, 2010 | conversion, insurance, life insurance, term insurance, universal life
When all of the sub prime mortgages started going south life as we knew it changed, big time. The American dream became the good old days in just a matter of months. I wonder if someone had shouted loud enough or provided disclaimers scary enough before the loans if...
by Ed Hinerman | Oct 11, 2010 | conversion, insurance, life insurance, term insurance
I had this comment on a post the other day from Richard. “Just got off the phone with Lincoln and AM Family Insurance. No conversions on universal life policies. Ours are 15-19 years old, while there is no termination fees, if we cashed, they advise we to treat...
by Ed Hinerman | Sep 27, 2010 | insurance, life insurance, term insurance
I’ve written often and am a big advocate of owning more than one life insurance policy, staggering or layering term policies. The reason is simple. Unless you are the complete odd duck in the pond, your life insurance needs are not all the same length and not...
by Ed Hinerman | Sep 8, 2010 | insurance, life insurance, over 50 life insurance, term insurance, universal life, variable universal life, whole life
I feel a little like the boy that cried wolf and pretty soon no one is listening, but if you have a universal life, variable universal life, indexed universal life or whole life policy, the wolf is real and if you ignore it long enough it’s going to mess up your...
by Ed Hinerman | Aug 24, 2010 | insurance, life insurance, term insurance, universal life, whole life
I know over the past few years thanks in part to Dave Ramsey and also in part to a reality check in the economy, I’ve had to take a new look at my budget several times. The days of paying more than we need to really are over. The same thought process...
by Ed Hinerman | Aug 18, 2010 | AARP, insurance, life insurance, senior life insurance, term insurance, whole life
When a person gets into their 60’s, 70’s and above there is a real life insurance industry tendency to try to shove them into the final expense market, even at a time when people are working longer and have larger needs than most final expense policies...
by Ed Hinerman | Jul 13, 2010 | insurance, life insurance, term insurance, universal life, whole life
A few years back I passed on some interesting statistics from a LIMRA study about all of the uninsured and under insured Americans. I offered my thought that the reason these people didn’t buy life insurance was that they couldn’t find someone they trusted...
by Ed Hinerman | Jun 9, 2010 | insurance, life insurance, term insurance
When Genworth Life and Annuity released their Colony Term/UL a few months ago it became obvious that something was up, or down. With insurance companies raising the prices on term insurance for the last year and a half, this new product overcame some obstacle that...
by Ed Hinerman | May 19, 2010 | insurance, life insurance, term insurance, universal life
Genworth Life and Annuity recently unveiled its’ new “Term/UL” product, a term life insurance policy in a lot of ways that seems to have some advantages and disadvantages for consumers and for Genworth. How is it the same as a traditional term...
by Ed Hinerman | Mar 8, 2010 | insurance, life insurance, term insurance, whole life
Clients being ever vigilant for the fine print or hidden costs occasionally ask how I get paid. The core of the question for them is, of course, any additional cost they might incur above and beyond the premium. How do life insurance agents get paid? This isn’t a...
by Ed Hinerman | Mar 3, 2010 | insurance, life insurance, term insurance
A year and a half ago when everyone’s 401k’s had suddenly turned into 201k’s I threw out the suggestion that people buy 10 year term insurance as a way to kind of fill the bucket back up until things recovered. Now true, it wasn’t an idea to...
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