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 | Mar 28, 2007 | children's life insurance, guaranteed issue life insurance, Independent agent, insurance, insurance quotes, life insurance, private pilots, term insurance, universal life, whole life
Advocacy is defined in the dictionary as co-supporting or promoting the interests of another. There are several advocacy groups that promote life insurance to their members or to the group of people that they would suggest they are advocates on behalf of. I have a...
by Ed Hinerman | Mar 21, 2007 | Burial insurance, final expense life insurance, guaranteed issue life insurance, Independent agent, insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
Life insurance these days has so many options available as far as products go that it has become easier and easier to hone in to just exactly the right product for your life and your needs. Along with the huge increase in options is the need to have a professional...
by Ed Hinerman | Mar 20, 2007 | breast cancer, cancer, coronary artery disease (CAD), hepatitis, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
There is certainly no lack of unjustified respect for some of the biggest names in life insurance in the country. If you’ve seen their name on television or in magazines it kind of sticks with you and you probably, like most folks, assume that big and famous,...
by Ed Hinerman | Mar 15, 2007 | accelerated death benefit, insurance, life insurance, term insurance, universal life, whole life
In response to a less than reputable business practice, life insurance companies now offer at no additional charge a feature called an accelerated death benefit. It wasn’t that long ago that there was a prolific market in praying on the terminally ill and...
by Ed Hinerman | Mar 15, 2007 | Independent agent, insurance, insurance quotes, life insurance, private pilots, term insurance, universal life, whole life
A large percentage of life insurance customers know very little about the products they are inquiring about. Especially true for first time customers but very often just as true for customers who have purchased before. A quick confession right up front to your...
by Ed Hinerman | Mar 14, 2007 | Independent agent, insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
It’s always a good feeling for me when I do a project around the house and end up not needing everything I’ve purchased. Well anyway, it beats the feeling of coming up short and having to make another trip to the lumber yard or hardware store. At least...
by Ed Hinerman | Mar 14, 2007 | Independent agent, insurance, life insurance, private pilots, term insurance, universal life, whole life
The news from life insurance companies just keeps getting better when it comes to private pilots. More and more companies are softening their stance on the actual mortality risk that this group represents. Of course airline pilots have enjoyed the best insurance...
by Ed Hinerman | Mar 13, 2007 | insurance, life insurance, term insurance, universal life
Most companies and government agencies offer options when you retire if you are married. Generally it goes something like this. Option 1. Maximum payout. You can take $4000 a month on your retirement. It will remain at $4000 as long as you are alive. If you die and...
by Ed Hinerman | Mar 10, 2007 | Independent agent, insurance, life insurance, universal life, whole life
Universal Life, Whole life. Sounds like it ought to last forever. Almost without fail the life insurance agent who told you about universal life or whole life led you to believe that it would last forever. An unfortunately large percentage of those agents didnt tell...
by Ed Hinerman | Mar 9, 2007 | Independent agent, insurance, insurance quotes, life insurance, prostate cancer, PSA, term insurance, universal life, whole life
It was not that long ago that UNINSURABLE was often found in the same sentence with cancer, no matter the type, stage or grade. That was based on the fact that back when I was young people who had cancer, almost any kind of cancer, died from it. It seemed that the...
by Ed Hinerman | Mar 7, 2007 | Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance, universal life
I’ve found that one of the hardest things to decide when getting quotes for term life insurance is what term length is best. The reason it’s such a challenge is that the truth is that not all of our needs go away at once. A good independent life insurance...
by Ed Hinerman | Mar 4, 2007 | insurance, life insurance, term insurance, universal life, whole life
Life insurance for women is a topic that sometimes brings primal grunts from men. Somehow they think women have wandered onto hallowed ground if they start valuing themselves in the family so much that they can quantify it with life insurance. Amazingly enough the...
by Ed Hinerman | Mar 4, 2007 | breast cancer, cancer, Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life, whole life
Like so many urban legends or wives tales, there is the notion going around that many people cannot get life insurance, or at the very best they have to have been cancer free for at least 10 years. Breast cancer survivors have been on the wrong end of this information...
by Ed Hinerman | Mar 4, 2007 | Burial insurance, final expense life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life
Want to throw a wet towel on an adult conversation? Ask your friends how much life insurance they carry on their children. The normal answer would run the gammet from, “why would I do a thing like that” to “that’s not something I want to talk...
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