by Ed Hinerman | Feb 9, 2007 | children's life insurance, guaranteed issue life insurance, insurance, insurance quotes, Juvenile life insurance, life insurance, private pilots, term insurance, universal life, whole life
Advocate is defined in the dictionary as “one that supports or promotes 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...
by Ed Hinerman | Feb 7, 2007 | insurance, life insurance, return of premium term insurance, term insurance, universal life
How many times have I heard that? The conversation goes something like this. “Mr Smith, based on your health information it looks like we should be able to get a $1,000,000, 20 year term policy for $1200 a year, about $100 per month.” Mr Smith counters...
by Ed Hinerman | Feb 6, 2007 | insurance, life insurance, term insurance, universal life
Term life insurance is the most practical, appropriate and affordable life insurance for 90% or more of the average person’s life insurance needs. The obvious feature that people buy term life insurance for is the death benefit. They want to know that their...
by Ed Hinerman | Feb 4, 2007 | insurance, insurance quotes, life insurance, term insurance, universal life
Can he or she tell you honestly that all the provisions of your term insurance or universal policy are guaranteed? That there are no surprises or changes down the road? That you can count on these guarantees and hold them accountable for making sure that you are kept...
by Ed Hinerman | Feb 3, 2007 | estate taxes, insurance, life insurance, term insurance, universal life, whole life
Let’s start with definitions of whole life, term insurance and universal life. Whole Life, as a product, is now very rare . These days it is actually more of a generic term referring to permanent, usually universal life insurance. The definitions! Whole life...
by Ed Hinerman | Feb 2, 2007 | children's life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life, whole life
Again, not a subject that most parents these days want to talk about, but it used to be very common. The truth is that the chance of a healthy child dying before adulthood is very small. So, in the minds of most loving parents is the thought, “why even think...
by Ed Hinerman | Jan 30, 2007 | insurance, insurance quotes, life insurance, universal life
With literally hundreds of thousand of life insurance policies at risk out there, I just can’t emphasize enough the danger of not reviewing your coverage. This is an agent caused problem, so I believe the prudent direction would be to have your universal life...
by Ed Hinerman | Jan 28, 2007 | guaranteed issue life insurance, insurance, life insurance, term insurance, universal life
One of the most common misconceptions is that there is a waiting period before the insurance would pay. Most people say they’ve heard life insurance doesn’t pay if you die in the first two years of a policy. The confusion lies somewhere between two...
by Ed Hinerman | Jan 24, 2007 | insurance quotes, life insurance, term insurance, universal life
How refreshing to not hear Term vs Whole Life. The question is how to decide which product is appropriate for your family protection. A simple rule of thumb would go something like this. If you can determine (approximately) the point in the future when you won’t...
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