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 | 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 19, 2007 | insurance, life insurance, universal life
I cited a study not too long ago that made it clear that many people pass away these days not having used significant portions of there retirement finances. While this money can be passed on through wills or probate, consider this. I know that many people in this...
by Ed Hinerman | Oct 8, 2007 | insurance, life insurance, universal life
Let me make something perfectly clear… again. Almost all life insurance is purchased to protect your family against an untimely death. If you knew when and how your death was going to happen it might render a lot of life insurance unnecessary, or perhaps more...
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...
by Ed Hinerman | Sep 11, 2007 | cancer, heart attack, insurance, life insurance, prostate cancer, term insurance, universal life
We have been gutting term life insurance this week starting with a look at an actual policy. Being a contract as it is, there are plenty of definitions and clauses and options and such. So my previous posts didn’t get too hefty, I picked out a few items to...
by Ed Hinerman | Sep 11, 2007 | insurance, life insurance, term insurance, universal life, whole life
Now we are into some exciting stuff. We have blown past the cover and are now truly into the guts, the purported fine print, of my policy. I won’t hit on every detail of the next 4 pages. I figure if you can follow my ramblings, a little contract language should...
by Ed Hinerman | Sep 9, 2007 | insurance, life insurance, universal life
I’m sure that will get the attention of VUL agents, and VUL policy owners. And it should. The variable universal life policy, for my money, is nothing better than a legal misrepresentation. How many times have I talked about the problem with agents selling and...
by Ed Hinerman | Aug 30, 2007 | insurance, life insurance, universal life, whole life
When someone exposes themselves, often the exposee really doesn’t want to see it. If someone exposed your universal life policy today, would it send you screaming into the dark. There isn’t a week that goes by that I don’t yell at the top of my...
by Ed Hinerman | Aug 29, 2007 | diabetes, heart disease, insurance, life insurance, obesity, universal life, whole life
Kind of an ugly image, but the reality is that the US is outgrowing itself by leaps and bounds. You know I will jump on my life insurance band wagon about that, but think about the strain that this will put on the government and health care systems and the increase...
by Ed Hinerman | Aug 16, 2007 | Independent agent, insurance, life insurance, term insurance, universal life
I love that saying! I have it hanging in my office. I don’t, however, have much fondness for those that it applies to. It would not be hard, or take long to write a book about stupid, harmful life insurance recommendations made by, and I use this reference...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments