by Ed Hinerman | Jul 18, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance, universal life, whole life
Probably the most often asked question in life insurance. What is the difference between term and whole life? I will deal with whole life and universal life at another time, but let’s talk about term and what it’s really made to do. Term life insurance...
by Ed Hinerman | Apr 27, 2007 | Independent agent, insurance, insurance quotes, term insurance, universal life, whole life
Hi, My name is Ed Hinerman. I haven’t been selling life insurance forever, but I have been around long enough to see radical changes in products available. I just want to share with you today what I consider to be one of the most troublesome leftovers from the...
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 22, 2007 | cancer, guaranteed issue life insurance, Independent agent, insurance, life insurance, term insurance, whole life
Just finishing up today and getting ready to drive to where my parents live. My father has bladder cancer and is meeting with the oncologist tomorrow to discuss what steps might be best. At his age 84, he of course has long since quit worrying about life insurance and...
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 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 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 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...
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