by Ed Hinerman | Jul 23, 2009 | estate taxes, insurance, life insurance, universal life
Estate preservation, as I’ve stated in several posts since the first of the year, is becoming more unstable due to a couple of factors. First, Congress has not shown their cards yet on how they expect to handle the estate tax exemption issue in 2010 and second,...
by Ed Hinerman | Jul 22, 2009 | diabetes, insurance, life insurance, Type 2 diabetes
On occasion a life insurance company will pick a place to make a stand and leave the rest of the industry behind. Companies like Prudential come to mind when they approve tobacco use, other than cigarettes, at non smoking rates even with daily use. So, while many...
by Ed Hinerman | Jul 21, 2009 | insurance, life insurance, mortality risk
I have often talked about the need, when you have health issues or a health history, to do your homework and make sure you find an independent life insurance agent who understands your health challenge and also understands what companies to go to and what companies to...
by Ed Hinerman | Jul 21, 2009 | insurance, life insurance, term insurance
When my granddaughter was born six and a half years ago my wife and I took out a life insurance policy on my daughter. Morbid thought? I would put it more in the cautious reality category. To me there had just opened an 18-20 year window in which my wife and I could...
by Ed Hinerman | Jul 20, 2009 | insurance, life insurance, no exam
One of the little inconveniences of applying for life insurance is that, although free and done at your home or work, there is the need for an exam. With the exception of larger policies most exams consist of blood and urine specimens, a check of your height, weight...
by Ed Hinerman | Jul 19, 2009 | estate taxes, insurance, life insurance, second to die insurance
If not, give this some thought! Estate taxes come due nine months after the death of the sole surviving spouse or individual whose net worth comprises the estate. While nine months may seem like a long enough time to wrap up an estate and gather the money to pay the...
by Ed Hinerman | Jul 18, 2009 | angioplasty, heart attack, heart disease, insurance, life insurance
It’s amazing how a heart attack or a visit to the ER with chest pain can make you consider mortality. Even when you come away with a quick fix like a stent, life just seems a bit more fragile. So how do life insurance underwriters view cardiac issues? Can you...
by Ed Hinerman | Jul 16, 2009 | estate taxes, insurance, life insurance
Since the inception of 2nd to die or survivorship life insurance policies to protect estates from being pillaged by estate taxes, most of the policies were written as traditional universal life or whole life insurance. Cash value policies. When the cashless universal...
by Ed Hinerman | Jul 16, 2009 | diabetes, insurance, life insurance, Type 1 diabetes
I wrote a few posts ago about the challenges of finding fair rates on life insurance for type 1 diabetes and mentioned that I was currently shopping a case that I would share the results on. Because of it’s early onset and inherently higher mortality risk with...
by Ed Hinerman | Jul 15, 2009 | insurance, life insurance, rate increase, term insurance
As the number of companies grows announcing term insurance rate increases, in the last few weeks another snowball has started rolling down hill that will affect many, especially young adults in their 30’s and 40’s. The most recent trend is companies...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments