by Ed Hinerman | Feb 23, 2010 | insurance, life insurance, term insurance
It’s probably been close to a year since I first mentioned the United of Omaha (Mutual of Omaha) lifestyle crediting program for life insurance underwriting called the Fit test. The Fit test provides the underwriter plenty of ammunition to approve a policy at...
by Ed Hinerman | Feb 23, 2010 | insurance, life insurance, term insurance
Using a LIMRA study of a few years ago, at that point there were tens of millions of Americans that would fit into a category of “needing” life insurance, but didn’t have any. I know I’ve been down this road before, but is there really a case...
by Ed Hinerman | Feb 12, 2010 | insurance, life insurance, term insurance
I don’t think I’m suffering from the delusion that everyone has vast amounts of left over money they can buy life insurance with. I know that my left over money is far from vast, and probably better characterized as sporadic, but my life insurance is...
by Ed Hinerman | Feb 9, 2010 | guarantee, insurance, life insurance, term insurance
Life insurance companies, even highly rated companies, come and go. While some sell their blocks of business because they’re not competitive anymore, many decide to sell because another company offers them a huge amount of money. Protective Life made the board...
by Ed Hinerman | Feb 8, 2010 | insurance, life insurance, term insurance
Wouldn’t it be great if everything always went as planned? You determine how much life insurance you want. You figure out how long you need it for and you set a budget based on what you believe it will cost. Check, check and check! But what do you do when things...
by Ed Hinerman | Jan 18, 2010 | life insurance, term insurance
Term life insurance offers a guaranteed level death benefit and a guaranteed level premium for certain period of years, the term. Is there a chance you could outlive that term and spend the money it took to keep your policy in force without the policy paying out a...
by Ed Hinerman | Dec 23, 2009 | insurance, life insurance, term insurance
From a life insurance perspective. Heck, from just about any perspective this has been one crazy year. But the sky didn’t fall and I think it’s time we put it all in perspective and move on. Term life insurance prices have been in something of a free fall...
by Ed Hinerman | Nov 23, 2009 | insurance, life insurance, term insurance
I watched Dennis the Menace the other night and early on in that film it was clear that Mr Wilson would have preferred to have $100,000 in his pocket and no Dennis as a neighbor. That’s probably a bit harsh, but the answer as to why he couldn’t have that...
by Ed Hinerman | Oct 21, 2009 | insurance, life insurance, term insurance
I recently shopped a term insurance case where the results were spread all over the spectrum of responses. Several companies declined to make offers. Some would only say highly rated at best. This was a case where a 39 year old woman had a superior mesenteric artery...
by Ed Hinerman | Sep 29, 2009 | insurance, life insurance, term insurance
We see it all the time. A young man dies in a car accident or from cancer, a totally unexpected event and an event that rips the roof right off of the life of the young wife and children he has left behind. He never considered life insurance. Life at that point seems...
by Ed Hinerman | Sep 2, 2009 | insurance, life insurance, term insurance
2/3 of 2009 have slipped by and there is just no denying anymore that the industry trend for external guarantee life insurance policies such as term insurance and universal life with a no lapse guarantee has changed. Term insurance has been going down in price and...
by Ed Hinerman | Aug 18, 2009 | insurance, life insurance, term insurance
Well, uh, No! I know I’ve been talking for months about the fact that term life insurance seems to have finally hit the skids on it’s nearly 15 year downward trend in prices. And I’ve talked about this being probably the best time to buy term life...
by Ed Hinerman | Aug 17, 2009 | insurance, life insurance, term insurance
I can’t tell you the number of times that I’ve been asked, when a client is facing an increased life insurance rate due to some health issue, why the insurance company doesn’t take into account all the positive things they have going on in their...
by Ed Hinerman | Aug 17, 2009 | insurance, life insurance, term insurance, universal life, whole life
The age old debates about what type of life insurance to buy and at what age a person should definitely have life insurance will go on long beyond me. But this morning I just want to weigh in on with a little different perspective. There are two things that I think we...
by Ed Hinerman | Aug 13, 2009 | insurance, life insurance, term insurance, universal life
When it comes to universal life insurance policies that question could be asked both of the people who own the policies and the companies that sold them. We are currently collaborating on an article that will hopefully bring the picture into focus, that picture...
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