by Ed Hinerman | Feb 3, 2007 | estate taxes, insurance, life insurance, term insurance, universal life, whole life
Let’s start with definitions of whole life, term insurance and universal life. Whole Life, as a product, is now very rare . These days it is actually more of a generic term referring to permanent, usually universal life insurance. The definitions! Whole life...
by Ed Hinerman | Feb 2, 2007 | children's life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life, whole life
Again, not a subject that most parents these days want to talk about, but it used to be very common. The truth is that the chance of a healthy child dying before adulthood is very small. So, in the minds of most loving parents is the thought, “why even think...
by Ed Hinerman | Feb 2, 2007 | insurance, insurance quotes, life insurance
It’s easy. Just answer no to any health or family history questions. No to foreign travel or dangerous hobbies. No to smoking and give a really healthy sounding height and weight. Follow those directions and you should get the best quote available. Now the...
by Ed Hinerman | Jan 31, 2007 | estate taxes, insurance, life insurance
As we close in on 2010, the year that congress is slated to do away with estate taxes, is there anyone out there that really believes estates won’t be taxed after 2010? Personally I believe the government will take action to leave the estate tax on the books....
by Ed Hinerman | Jan 30, 2007 | insurance, insurance quotes, life insurance, universal life
With literally hundreds of thousand of life insurance policies at risk out there, I just can’t emphasize enough the danger of not reviewing your coverage. This is an agent caused problem, so I believe the prudent direction would be to have your universal life...
by Ed Hinerman | Jan 28, 2007 | guaranteed issue life insurance, insurance, life insurance, term insurance, universal life
One of the most common misconceptions is that there is a waiting period before the insurance would pay. Most people say they’ve heard life insurance doesn’t pay if you die in the first two years of a policy. The confusion lies somewhere between two...
by Ed Hinerman | Jan 26, 2007 | children's life insurance, insurance, Juvenile life insurance, life insurance
Now here’s a subject that 95% of parents don’t want to talk about. No parent wants to think that a child might die and therefore we don’t want to plan for that occurrence. I understand the emotional issue behind it, being a parent myself. Childrens...
by Ed Hinerman | Jan 26, 2007 | insurance quotes, life insurance, return of premium term insurance, term insurance
Wouldn’t it be great if you could just use life insurance during those years you need it and it you didn’t die, it wouldn’t cost anything? Well, there’s good news for you, maybe. Return of premium term insurance does exactly that. You can take...
by Ed Hinerman | Jan 24, 2007 | insurance, insurance quotes, life insurance
My customers don’t see it as important at all. So, let’s look at the pros and cons of a local versus, say a multi state or even nationally licensed agent. With a home town agent you can shake their hand or beat them with a baseball bat, whatever the...
by Ed Hinerman | Jan 24, 2007 | insurance quotes, life insurance, private pilots, term insurance
Most of the private pilots in the US have had some experience with the effect their hobby or avocation has on their life insurance rates. Insurance companies generally don’t look favorably on private aviation and the insurance quotes that most companies and...
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