by Ed Hinerman | Apr 12, 2021 | insurance, life insurance, over 50 life insurance
This was first written back in 2011 and, strangely, the older I get the more it makes sense. I thought I would dust it off and see if could have some rewritten value added for you. All the best. Nothing Else Is The Same At 60 As It Was 30! Why Would Life Insurance Be...
by Ed Hinerman | Oct 26, 2020 | income replacement, life insurance, over 50 life insurance
I wrote this post 8 years ago and now we are in a pandemic and life insurance is starting to come into focus for a lot of people, so thank you for accepting this update. All the best. The Way It Was! My Dad died 11 years ago this month at age 84 and had a total of...
by Ed Hinerman | Aug 28, 2014 | business life insurance, cash value, guaranteed level premium, income replacement, insurance, life insurance, over 50 life insurance
I know that the permanent life insurance guys would like you to believe that your need for life insurance might grow as you age or at least stay the same, but the facts of life really point in the opposite direction. Life insurance needs generally become smaller as...
by Ed Hinerman | Nov 9, 2011 | business life insurance, hazardous activities, income replacement, Infinite banking, insurance, life insurance
Remember the “dress for success” thing that started back in the 70’s? I think it was probably a reaction to the way most people my age decided to dress in the 60’s. It never really worked for me. Every time I dressed for success, even if I got...
by Ed Hinerman | Aug 5, 2011 | insurance, life insurance, professional athlete life insurance
There is a mistaken belief that people that have really great incomes, like professional athletes, don’t really need life insurance. The assumption is you have a large income you probably have it managed so that your family would be taken care of if you died...
by Ed Hinerman | Feb 14, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, term insurance
Being over 50 myself I read that title and my mind immediately went to the thought that, “Well of course it has new meaning. We’re a lot closer to using it.” Whoa, admitted my own mortality there! But what I want to get at is the fact that the needs...
by Ed Hinerman | Jan 24, 2011 | business life insurance, buy/sell life insurance, insurance, life insurance
Small business is the backbone of our country’s economy and for most of us, even more importantly, it is the backbone of our personal budget. Without those paychecks in today’s job market we would indeed be up a creek. So, have you asked your boss, the...
by Ed Hinerman | Jan 7, 2011 | insurance, life insurance, life partner
I’ve been in the life insurance business long enough to see a time when life insurance companies would outright deny life insurance policies for homosexual couples, citing “no legal financial justification”. They would then turn around and approve...
by Ed Hinerman | Dec 3, 2010 | business life insurance, buy/sell life insurance, insurance, life insurance
Whether you are the CEO of a large company, handpicked for that position by a board of directors, or the CEO of a company where the job description simply reads “Do everything and do it well”, there is value and responsibility that come with the position....
by Ed Hinerman | Sep 27, 2010 | insurance, life insurance, term insurance
I’ve written often and am a big advocate of owning more than one life insurance policy, staggering or layering term policies. The reason is simple. Unless you are the complete odd duck in the pond, your life insurance needs are not all the same length and not...
by Ed Hinerman | Oct 26, 2009 | insurance, life insurance
Ah, but for the immortal! I’ve long picked on men for their “it won’t get me” attitude when the statistics show differently, but while women do live a bit longer on average, I still wouldn’t take those odds. 1 in 6 men and 1 in 9 women...
by Ed Hinerman | Oct 22, 2009 | insurance, life insurance
Forgive the title to this post, but thank God we have women in this country who will do what is needed to keep family’s finances intact. I read an article today that referred to the current recession as a “mancession” due to the fact that more men...
by Ed Hinerman | Oct 13, 2009 | insurance, life insurance
I am working with a client on two life insurance policies totaling over $10 million in death benefit and when we conferred with his accountant today on ownership questions I ran into a refreshing attitude. I have voiced my opinion more than once in this forum...
by Ed Hinerman | Mar 18, 2009 | income replacement, insurance, life insurance, Protective Life, term insurance
Within the past few weeks West Coast Life and Protective Life have announced a new term insurance product that, well, may be OK for some purposes. There are definite upsides, but a few downsides from where I stand. The product’s main feature is that it...
by Ed Hinerman | Aug 3, 2007 | income replacement, Independent agent, insurance, life insurance
Originally posted 8/11/2007, updated 11/23/2019 Part of the whole life insurance equation that people get hung up on is how much life insurance is enough. There are life insurance calculators like the one below that can help, but the best process is a good old...
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