by Ed Hinerman | Mar 1, 2007 | Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life, whole life
Ask a life insurance agent that has built his career convincing people that whole life insurance is everything you will ever need, about term insurance, and then cover your ears. You will still be able to hear them just fine. Their voice will have raised enough to...
by Ed Hinerman | Feb 27, 2007 | hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
Competitive life insurance quotes have long been elusive for people with type 1 or type 2 diabetes. Many life insurance companies are changing the way they view diabetes and recognizing that there is a substantial difference in the mortality experience between those...
by Ed Hinerman | Feb 27, 2007 | hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
From a life insurance standpoint type 1 and type 2 diabetics used to be thrown in the same underwriting bucket as people who had coronary artery disease or even some types of cancer. Life insurance quotes coming from major companies these days would point to two good...
by Ed Hinerman | Feb 25, 2007 | business life insurance, buy/sell life insurance, final expense life insurance, Independent agent, insurance, insurance quotes, key man insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
My mother never told me running a small business was easy. In fact it went something more like, “wouldn’t you be better off getting a real job?” Whether you are in business for yourself, or work for someone, your future can be in jeopardy if you, or...
by Ed Hinerman | Feb 24, 2007 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
Having group life insurance through your job is certainly one of the top excuses for not buying a personal life insurance policy. After all, if you already have it, why buy more. And group insurance is generally sooo cheap. Well, allow me to throw a rock in that...
by Ed Hinerman | Feb 24, 2007 | Independent agent, insurance, insurance quotes, life insurance, prostate cancer, PSA, term insurance, universal life, whole life
Prostate cancer is, if not the most common, certainly one of the most common kinds of cancer in men. I think I’ve heard it said that the majority of men who live a long life will have it at some point. The good news from a life insurance standpoint is that...
by Ed Hinerman | Feb 23, 2007 | Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance, universal life, whole life
Yes, believe it or not, life insurance agents make money by selling life insurance. This generally isn’t a problem. It is a commission only business though and the truth is that if you don’t make sales you can’t buy food. For those agents who have...
by Ed Hinerman | Feb 22, 2007 | Independent agent, insurance, life insurance, universal life, whole life
If you just bought a car, a new super hybrid of some kind, and the salesman told you that it would never run out of fuel, would you just drive on down the highway and trust that guarantee? Would you get a second opinion? Maybe do some research? You might find out that...
by Ed Hinerman | Feb 22, 2007 | Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life, whole life
Would everyone who has a whole life or universal life policy please stand up and raise your hand so I can see you! There is not a day that goes by that a case doesn’t cross my desk where someone believes they have a permanent life insurance policy (defined as...
by Ed Hinerman | Feb 21, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
Let’s start with an analogy. Suppose you have just made a decision that it is time to buy a car and that, like me, you live in a thriving metropolis of 6000 people. There are two car dealerships, neither of whom have anything close to a large selection, and...
by Ed Hinerman | Feb 19, 2007 | hypertension, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life
Unless your worst affliction in life was a sneezing fit 5 years ago, you may have discovered that life insurance often comes at a higher rate due to certain health issues. While you may not get the same rates as superman if you happen to be a type 2 diabetic, good,...
by Ed Hinerman | Feb 18, 2007 | accelerated death benefit, Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life, whole life
I’ve often wished my blogs would be read by everyone. I’m pretty sure that doesn’t happen, but for this one I am lowering my wish expectations. I am only hoping that everyone who has life insurance or is considering buying a life insurance policy...
by Ed Hinerman | Feb 17, 2007 | business life insurance, Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance, universal life, whole life
If you’re an adult with any kind of responsibilities in this world, you should be carrying a life insurance policy. That old saying that “there are two things that are certain in life, death and taxes” has a lot of truth to it. The big difference is...
by Ed Hinerman | Feb 16, 2007 | Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life
You see it on advertising all the time, but is it true. Whether you are getting life insurance quotes from an independent agent or a captive home town agent, you need to know that it is absolutely true that you can save 70% and often much more than that. There are two...
by Ed Hinerman | Feb 11, 2007 | children's life insurance, guaranteed issue life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life
My experience is that there is actually a mindset, especially with parents, that if they carry life insurance on their child they could somehow increase that child’s chance of an early death. Let me assure you that there is no statistical link between a...
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