by Ed Hinerman | Mar 29, 2009 | estate taxes, final expense life insurance, insurance, life insurance, second to die insurance, term insurance, universal life, variable universal life, whole life
I’ve been accused of recommending term life for every need and while I maintain that 95% of all needs for the average person are well served by term, there are valid reasons to consider permanent insurance in your portfolio. Before any jumps on that statement...
by Ed Hinerman | Mar 27, 2009 | death benefit, guarantee, illustration, insurance, life insurance, policy, term insurance, universal life, variable universal life, whole life
There are times when it’s obvious that life insurance agents just really don’t believe that service is important and then there are times when the avoid service or drag their feet on a task as a way avoid talking about what’s really going on with...
by Ed Hinerman | Mar 19, 2009 | insurance, John Hancock, life insurance, Protective Life, Prudential, term insurance, universal life, whole life
With the latest news coming today it is no longer conjecture on my part. The downward trend of the past 15 years in life insurance has hit bottom. ING Reliastar today announced increases in their term insurance rates. I guess the only good news coming from them is...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Mar 17, 2009 | death benefit, income taxable, insurance, life insurance, universal life, whole life
Life insurance has been afforded a special place and special treatment in the tax codes for a long time. Both federal and state entities have long recognized the social importance served by life insurance, which provides families with peace of mind through immediate...
by Ed Hinerman | Mar 13, 2009 | accelerated death benefit, conversion, insurance, life insurance, universal life, whole life
I’ve made no secret of my disdain for whole life insurance and the whole cash value is more important than adequate insurance mentality. I was cruising financial news today and saw an article on life insurance and decided to check it out. The article did provide...
by Ed Hinerman | Mar 9, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
Having group life insurance through your job or organization 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. No physical. No muss or fuss, and group insurance is generally sooo...
by Ed Hinerman | Mar 3, 2009 | Protective Life, Prudential, term insurance, universal life, whole life
I’ve been blogging since the first of the year about the coming changes in universal life products that have external no lapse guarantees. Well, there’s good news and bad news on that front. The good news is that it is still available from the top...
by Ed Hinerman | Feb 26, 2009 | AARP, Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, term insurance, universal life, whole life
The idea of burial life insurance is something that has been slow to evolve and is often misunderstood. In its’ purest form it is a contract taken out with a mortuary and for an up front payment they promise that a burial is prepaid. What people should be coming...
by Ed Hinerman | Feb 23, 2009 | insurance, life insurance, Prudential, term insurance, universal life, whole life
I realize that this is like one of those insurance guy things. We get all excited when some really good product is about to change (not for the better), or we get wind of a rate increase. It’s a chance to get the word out and hopefully do something good for...
by Ed Hinerman | Feb 19, 2009 | AARP, conversion, insurance, life insurance, term insurance, universal life, whole life
There’s something about one of those weeks when I get 10 pieces of mail from AARP touting all of their worn out, rip off products that just makes me want to talk about it. Since my Mom doesn’t care and my wife doesn’t want to hear it again, thanks...
by Ed Hinerman | Feb 12, 2009 | insurance, life insurance, suze orman, term insurance, universal life, whole life
Suze Orman, the queen of life insurance misinformation, has riled up the folks at MSN Money now. I thought they kind of soft peddled it a bit in their claim that she doesn’t have a clue about anything. While MSN took exception to her ridiculous investment...
by Ed Hinerman | Feb 10, 2009 | buy/sell life insurance, insurance, life insurance, term insurance, universal life, whole life
For those that sell whole life or universal life they would have everyone believe that term insurance is a product developed by insurance companies to keep from paying death benefits. The only way to have life insurance is to have it go on for life, says them. What...
by Ed Hinerman | Feb 3, 2009 | insurance, life insurance, term insurance, universal life, variable universal life, whole life
We’ve discussed a lot of different aspects of how the current recession and economic meltdown can impact life insurance. There’s more to talk about that will be coming soon Certainly any non guaranteed product will see rate increases. That’s no...
by Ed Hinerman | Jan 31, 2009 | AIG, death benefit, guarantee, Independent agent, insurance, life insurance, mortality, term insurance, universal life, variable universal life, whole life
Anyone who has health insurance has already, or will soon find out the frustration of having insurance that doesn’t have all of it’s features guaranteed. At any point the dreaded letter can come and your copay can change, your premium can change or your...
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