by Ed Hinerman | Oct 21, 2011 | AARP, Burial insurance, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
When you’re over 50 life insurance offers start coming from everywhere. Final Expense insurance. Burial life insurance. The truth is that the senior life insurance market is the most hammered niche in the industry. Why? They think they can push our buttons when...
by Ed Hinerman | Aug 30, 2011 | Burial insurance, final expense life insurance, guaranteed issue life insurance, insurance, life insurance
I wrote a post some time ago less than nicely titled “Burial Insurance is Stupid”. I make myself laugh I’m so opinionated sometimes, but this article was not one of those laughable moments. I take very seriously those things that treat those seeking...
by Ed Hinerman | Mar 9, 2011 | Burial insurance, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
There is an entire industry built around the perception that all seniors that need life insurance only need final expense life insurance or burial insurance. There’s some problems not only with the perception but the way the industry markets senior life...
by Ed Hinerman | Jun 22, 2009 | Burial insurance
My parents purchased prepaid burial plans a long time ago. They were actually in their mid 60’s at the time, had a little extra money and paid $2500. This was supposed to cover their burial expense no matter when in the future it happened, and within...
by Ed Hinerman | Feb 26, 2009 | AARP, Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, term insurance, universal life, whole life
The idea of burial life insurance is something that has been slow to evolve and is often misunderstood. In its’ purest form it is a contract taken out with a mortuary and for an up front payment they promise that a burial is prepaid. What people should be coming...
by Ed Hinerman | Jun 9, 2008 | AARP, Burial insurance, insurance, life insurance, term insurance
If it wasn’t just plain sick the way AARP treats it’s members, it might be laughable. AARP holds itself out as an advocate for just about everything for us seniors. In fact they are so excited about being able to be an advocate for you that they start...
by Ed Hinerman | May 29, 2008 | Burial insurance, final expense life insurance, insurance, life insurance, universal life, whole life
Pre-paid funeral plans. Pre-paid burial plots. Burial Insurance. All are products that are designed to tug at the emotions, tug just hard enough to get you to ignore the realities, ignore the math, and ultimately make a decision that is free from logic. If memory...
by Ed Hinerman | Dec 29, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, universal life, whole life
When I sold my first final expense (burial) life insurance policy nearly 30 years ago, it had a face amount or death benefit of $7000. It was certainly, at that time, adequate to properly bury someone and even have a little left over to host a wake. I still get 10-20...
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 | Aug 21, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance quotes, life insurance
It’s time I quit beating around the bush about this subject. I get numerous requests for people who are looking for $20,000 of life insurance or less. Generally I am talking about retired folks who only need final expense or burial insurance. Some times health...
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...
by Ed Hinerman | Mar 21, 2007 | Burial insurance, final expense life insurance, guaranteed issue life insurance, Independent agent, insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
Life insurance these days has so many options available as far as products go that it has become easier and easier to hone in to just exactly the right product for your life and your needs. Along with the huge increase in options is the need to have a professional...
by Ed Hinerman | Mar 4, 2007 | Burial insurance, final expense life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life
Want to throw a wet towel on an adult conversation? Ask your friends how much life insurance they carry on their children. The normal answer would run the gammet from, “why would I do a thing like that” to “that’s not something I want to talk...
by Ed Hinerman | Feb 28, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, term insurance, whole life
Burial insurance, sometimes also called a final expense policy, can be an affordable way to spread the expense of a loved one’s death over a number of years. Morbid idea? Not when you think it through. All of us reach the point of final expenses sometime. Final...
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