by Ed Hinerman | Aug 3, 2009 | estate taxes, insurance, life insurance, second to die insurance
While it certainly isn’t our duty to work our tails off all of our adult lives just so we can leave the legacy of an estate to our heirs, I saw a study a few years ago that indicated that it really was the goal, a desire, of the boomer generation and our...
by Ed Hinerman | Jul 31, 2009 | buy/sell life insurance, insurance, life insurance
What happens to a business partnership when one of the partners passes away is of particular interest to both the family of the deceased and the surviving partner. If a plan is in place the transition can go smoothly. If there is no plan in place it can be...
by Ed Hinerman | Jul 30, 2009 | insurance, life insurance, universal life, variable universal life, whole life
In preparing to help write an article about the catastrophic meltdown of traditional universal life insurance policies I was seeking some industry assistance in nailing down approximately what percentage of the total number of UL’s were in danger of imploding....
by Ed Hinerman | Jul 30, 2009 | insurance, life insurance, multiple sclerosis
Other than writing across the top of your life insurance application, “Please decline this application”, I can’t think of a surer way to get declined than to decide to blow off your doctor’s advice and substitute your own without ever...
by Ed Hinerman | Jul 28, 2009 | incontestability, insurance, life insurance, suicide clause
I was recently interviewed by bankrate.com and MSNBC concerning some aspects of why life insurance companies might refuse to pay a death benefit. From the perspective of the consumer it seems there is a belief that companies really search for ways not to pay. In spite...
by Ed Hinerman | Jul 27, 2009 | cholesterol, insurance, life insurance
It always amazes me the way men proclaim how many years it’s been since they’ve seen a doctor and say it like they’re proud, like it’s a badge of honor to ignore your health. I’ve been working on a life insurance application for a local...
by Ed Hinerman | Jul 27, 2009 | blood pressure, hypertension, insurance, life insurance
There’s nothing that will raise your blood pressure quite like finding out that you are going to have to pay more for your life insurance because you are treated for high blood pressure. Even when it’s well controlled almost all companies feel they need to...
by Ed Hinerman | Jul 25, 2009 | insurance, life insurance
The biggest of the on line life insurance agencies is a master at tying up customers and shielding them from the truth and often better deals that might come from competitors. Bait and switch is the first line of offense or tactic. I’ll use a very recent true...
by Ed Hinerman | Jul 24, 2009 | bipolar disorder, insurance, life insurance
We have come a long way in the past few years in finding the right companies with the right underwriters to be able to truly reach out and help those with bipolar disorder get affordable life insurance. We will likely never get to the point of being able to help those...
by Ed Hinerman | Jul 24, 2009 | insurance, life insurance
Spending too much and not enough income to back it up. Reminds me of me before I cut up my credit cards (thank you Dave Ramsey) President Obama and Congress seem to be on a mission to uncover new sources of taxation to support everything from an overzealous financial...
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