by Ed Hinerman | Feb 15, 2010 | insurance, life insurance, suicide clause
Winter kill, a term used to describe those wild animals that don’t survive an over harsh winter, or are old and/or weak from disease and succumb to the normal hardship of winter, holds a grip on my life also. About this time of the year, every year, I really...
by Ed Hinerman | Feb 15, 2010 | bypass surgery, insurance, life insurance
No, I’m not getting into pet insurance, but I would like to talk about the lack of curiosity people have about their own health. From the simplest of things Americans start out with failing grades, possibly because it’s not taught in schools or possibly...
by Ed Hinerman | Feb 12, 2010 | insurance, life insurance, term insurance
I don’t think I’m suffering from the delusion that everyone has vast amounts of left over money they can buy life insurance with. I know that my left over money is far from vast, and probably better characterized as sporadic, but my life insurance is...
by Ed Hinerman | Feb 11, 2010 | insurance, life insurance
For those of us that have been in the life insurance business a while we have been going through an unprecedented period of change and adjustment for the last three years. For those who bought insurance prior to that and are trying to get more or replace your old...
by Ed Hinerman | Feb 10, 2010 | insurance, life insurance
I’ve certainly made no secret of my opinion of premium financing and investor owned life insurance. Personally I think the practices jump from one gray area to another just fast enough that no one can nail it down and say, whoa. Until you involve T Boone...
by Ed Hinerman | Feb 9, 2010 | guarantee, insurance, life insurance, term insurance
Life insurance companies, even highly rated companies, come and go. While some sell their blocks of business because they’re not competitive anymore, many decide to sell because another company offers them a huge amount of money. Protective Life made the board...
by Ed Hinerman | Feb 8, 2010 | insurance, life insurance, term insurance
Wouldn’t it be great if everything always went as planned? You determine how much life insurance you want. You figure out how long you need it for and you set a budget based on what you believe it will cost. Check, check and check! But what do you do when things...
by Ed Hinerman | Feb 6, 2010 | bipolar, bipolar disorder, insurance, life insurance
I was involved in an exchange on the Bipolar Disorder Forum of eHealthforum not too long ago. A person had been declined for life insurance and wanted to know if anyone knew the way out of the jungle. The person asking for help had been declined for life insurance...
by Ed Hinerman | Feb 5, 2010 | insurance, life insurance, universal life, whole life
I just got my new issue of Insurancenewsnet magazine, one of those industry publications that occasionally has some very good information and occasionally has some of the most lop sided, half truthed articles you can imagine. Obviously I wouldn’t have brought it...
by Ed Hinerman | Feb 5, 2010 | insurance, life insurance, private pilots, Sleep apnea
There is a tendency for people to just hold on to life insurance once it is in force, even when opportunities to improve on the rate or the term length come up. Most often this happens when their isn’t a servicing agent around to find the better deals and...
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