by Ed Hinerman | Apr 24, 2019 | budget, Dave Ramsey, life insurance
My New Year’s resolution is to always tell the truth no matter whose buttons it pushes. I’ve been bullied into backing off of a few blog posts in the past but life’s too short and life insurance and your budget are too important. Feathers will be...
by Ed Hinerman | Apr 9, 2014 | cancer, Dave Ramsey, decline, insurance, life insurance, melanoma
Gosh, you know it’s been a while since I’ve heard any real specific griping about why in the world Dave Ramsey would promote Zander Insurance with “Four generations and 80 years experience, unparalleled commitment to service, the best products on the...
by Ed Hinerman | May 16, 2012 | Dave Ramsey, Depression, insurance, life insurance, Sleep apnea
I am about to go off on Selectquote again but let me show you the new kinder, gentler side of my opinionated self. Selectquote handles, from what I’ve heard, about 100,000 applications a year. They’ve been the king of the hill for quite a while so that...
by Ed Hinerman | Mar 22, 2012 | insurance, life insurance, over 50 life insurance, senior life insurance
I turned 59 the other day and boy am I glad I already have my life insurance in force. I’ve heard that life insurance over 60 really takes a huge jump. But wait, I heard the same thing about over 50 life insurance and that wasn’t exactly true. The absolute...
by Ed Hinerman | Feb 20, 2012 | Dave Ramsey, Depression, insurance, life insurance, term insurance
SAVE 70% ON LIFE INSURANCE. How often have we seen that little advertising flower bloom on our computer screens. I’ve explained in the past that there really isn’t any magic to that. The spread between the best priced life insurance companies and the worst...
by Ed Hinerman | Jan 14, 2012 | Independent agent, ING Reliastar, insurance, life insurance, term insurance
For a lot of years the state of New York was almost anti social about life insurance. Difficult to the point where a large number of very good life insurance companies that do business in every other state wouldn’t jump through the hoops required in New York....
by Ed Hinerman | Jan 2, 2012 | Independent agent, insurance, life insurance, over 50 life insurance
I am starting this new year very optimistically. Thanks to the hard work and savvy of my SEO guy we are reaching more and more of you who have been abused, declined or just left behind by agents or agencies that aren’t into doing the work it takes to properly...
by Ed Hinerman | Dec 12, 2011 | business life insurance, Infinite banking, International Business insurance, term insurance
I know that when I am shopping for something, for instance a car, I am very straight forward, even blunt, about what I want and how much I am willing to spend. I let the sales person know that it’s OK if they can’t meet my needs, but that changing anything...
by Ed Hinerman | Dec 3, 2011 | Infinite banking, insurance, life settlements, over 50 life insurance, senior life insurance, whole life
I know. It even showed up in my local paper. “Ed Hinerman Says Whole Life Insurance Without Gagging”! Well, the reflex is still there but I have been fighting it while I investigate whether there is a place in my universe for dividend paying whole life...
by Ed Hinerman | Nov 28, 2011 | Dave Ramsey, death benefit, insurance, life insurance
I often have the budget discussion with people who fall into the less than perfect health category, impaired risk life insurance in the industry. They don’t get the bang for the buck that someone young and healthy, or for that matter over 50 and healthy. My...
by Ed Hinerman | Oct 31, 2011 | cholesterol, Dave Ramsey, ING Reliastar, insurance, life insurance
There seems to be a mindset that life insurance applications probably won’t be approved at the rate that was quoted and applied for. This is a far more prevalent mindset today with so many hundred of thousands of applications being jammed through life insurance...
by Ed Hinerman | May 4, 2011 | Dave Ramsey, life insurance, private pilots, term insurance
Dave Ramsey still swears that Zander Insurance is the place to get the best deal on term life insurance. “Use Zander’s online quoting system to search for the most competitive term life insurance plans available”, Dave says. I have a lot of respect...
by Ed Hinerman | Dec 27, 2010 | Dave Ramsey, insurance, life insurance, smoking
I got in a bit of a tiff with Zander Insurance Group about a year and a half ago over, at that time, their not showing the best preferred smoker rates when their clients were getting on line quotes. Being a long time Dave Ramsey fan and moderator for his Financial...
by Ed Hinerman | Jul 13, 2010 | insurance, life insurance, term insurance, universal life, whole life
A few years back I passed on some interesting statistics from a LIMRA study about all of the uninsured and under insured Americans. I offered my thought that the reason these people didn’t buy life insurance was that they couldn’t find someone they trusted...
by Ed Hinerman | May 20, 2010 | insurance, life insurance
LIMRA surveys continue to show that most people (at least the grown up variety) agree that they need life insurance. The reason most often cited for not following through on that determination…..they’ve never been approached by anyone to talk about it. Not...
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