by Ed Hinerman | Oct 30, 2007 | business life insurance, children's life insurance, guaranteed issue life insurance, insurance, life insurance, term insurance, universal life, whole life
I had an email from a potential client today that said “I am looking for reasonably priced life insurance where there are no health questions and/or physical exam. If your group can fullfill these requirements than you can contact me”. There are a lot of...
by Ed Hinerman | Oct 12, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, whole life
There are life insurance agents and there are people who also sell life insurance. What does that small difference mean to you? I talk with my Farmers agent every so often about my auto or homeowners and he inevitably asks how business is going. It really leaves him...
by Ed Hinerman | Sep 16, 2007 | Burial insurance, estate taxes, final expense life insurance, insurance, life insurance, term insurance, universal life, whole life
Term insurance or whole life? Term insurance or universal life? How should you decide just what product best fits your need for protection for your family? I’ve discussed in numerous posts how to determine the proper term length and the proper use of term...
by Ed Hinerman | Sep 11, 2007 | insurance, life insurance, term insurance, universal life, whole life
Now we are into some exciting stuff. We have blown past the cover and are now truly into the guts, the purported fine print, of my policy. I won’t hit on every detail of the next 4 pages. I figure if you can follow my ramblings, a little contract language should...
by Ed Hinerman | Aug 30, 2007 | insurance, life insurance, universal life, whole life
When someone exposes themselves, often the exposee really doesn’t want to see it. If someone exposed your universal life policy today, would it send you screaming into the dark. There isn’t a week that goes by that I don’t yell at the top of my...
by Ed Hinerman | Aug 29, 2007 | diabetes, heart disease, insurance, life insurance, obesity, universal life, whole life
Kind of an ugly image, but the reality is that the US is outgrowing itself by leaps and bounds. You know I will jump on my life insurance band wagon about that, but think about the strain that this will put on the government and health care systems and the increase...
by Ed Hinerman | Aug 16, 2007 | insurance, life insurance, term insurance, universal life, whole life
I mean really. What one of you hasn’t wondered at some point how a company can offer $500,000 worth of life insurance for for $14 per month. You die after 10 months (made the math easy on myself) and they’ve taken in $140 and paid out $500,000, a net loss...
by Ed Hinerman | Aug 6, 2007 | insurance, life insurance, term insurance, universal life, whole life
A client today from Indiana, was telling me about their life insurance policy that was good until 2064. That would be to her age 95. She, like so many people, are really not quite clear on what they have. In her case she had a 30 year term policy. The guaranteed level...
by Ed Hinerman | Aug 3, 2007 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
As promised yesterday in reference to the Top 5 reasons people don’t buy life insurance they know they need, one of the reasons cited was “Have other financial priorities”. The bottom line, and I have this discussion almost every day with clients, is...
by Ed Hinerman | Jul 31, 2007 | insurance, life insurance, return of premium term insurance, term insurance, whole life
Return of premium term insurance provides coverage for a guaranteed period at a level premium and when you outlive the term, it gives you your premiums back. The annual cost is higher than straight term, but with term insurance you pay for coverage and if you outlive...
by Ed Hinerman | Jul 26, 2007 | Independent agent, insurance, life insurance, term insurance, whole life
I promised myself and my wife that I would try to remain calm about my opinions, even when my face is turning red, but AARP, the advocate for us old folks, is plain and simple giving bad life insurance advice. And frankly, giving bad advice if you are holding yourself...
by Ed Hinerman | Jul 23, 2007 | business life insurance, final expense life insurance, insurance, life insurance, universal life, whole life
Every profession has it’s share of dirt balls that will make a buck no matter who it hurts. The truth is that most of the unscrupulous types don’t last in the life insurance business, and leave damaged customers behind trying to make sense of what...
by Ed Hinerman | Jul 19, 2007 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
If you are a Northwestern Mutual agent you are bred to believe that life insurance without cash value is, by it’s very nature, evil. Northwestern Mutual has term life insurance products, but they are priced so outrageously high as to lead the casual observer to...
by Ed Hinerman | Jul 18, 2007 | insurance, life insurance, term insurance, universal life, whole life
Many companies and institutions offer retirement options that are based on how much you want guaranteed during your lifetime and how much you want to continue on to your spouse. Given good health and the proper use of life insurance, you can often have your cake and...
by Ed Hinerman | Jul 18, 2007 | Burial insurance, estate taxes, final expense life insurance, insurance, life insurance, second to die insurance, universal life, whole life
Here’s where you can get a whole helping of my opinion that has grown and matured and reformed and settled since I sold my first whole life policies in 1978. Both whole life and universal life are meant to be permanent insurance. They are meant to be there until...
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