by Ed Hinerman | Feb 10, 2011 | death benefit, insurance, life insurance
There is probably nothing that is sacred anymore with the federal government and almost every state government facing mounting budget deficits, loss of tax revenue and so on. I’m sure every level of government must have multiple committees whose sole job is to...
by Ed Hinerman | Feb 8, 2011 | Anxiety, bipolar, bipolar disorder, insurance, life insurance
I was involved in an exchange on the Bipolar Disorder Forum of eHealthforum several months ago. A person had been declined for life insurance and wanted to know if that was just the reality of bipolar disorder or if someone knew how to navigate what was turning out to...
by Ed Hinerman | Feb 5, 2011 | life insurance, pilot, private pilots
All right guys, you can take a break. Although you could certainly buy life insurance on Sunday the last thing you want is your friends knowing you were doing something more important than football. I already know how most of you feel about life insurance. If...
by Ed Hinerman | Feb 1, 2011 | estate taxes, insurance, life insurance, Protective Life, rate increase, second to die insurance, universal life
I wrote an estate life insurance case 6 or so years ago that if you put a pencil to the numbers you would swear that the company had made a huge mistake. There was simply no feasible way for them to make a profit. The case was with Protective Life who, for a while,...
by Ed Hinerman | Jan 31, 2011 | decline, insurance, life insurance
Not a day goes by that I don’t read some “how to” life insurance article that claims that being declined for life insurance is right up there with getting kicked out of the country club. You will just never be OK again! You will be black balled....
by Ed Hinerman | Jan 29, 2011 | estate taxes, guarantee, insurance, life insurance, universal life
In a post yesterday I insinuated that we may be entering the greatest two years in history for estate wealth building, estate wealth protection and wealth transfer. That statement still stands, but…. I asked Kevin Cox with Lincoln Financial to review the post in...
by Ed Hinerman | Jan 28, 2011 | estate taxes, insurance, life insurance, second to die insurance
So when all of the estate tax and gifting laws shook out and got signed, two things really stood out. There were some very generous changes and, unless extended, they will only last two years. This could make for the largest two years transfer of wealth in history...
by Ed Hinerman | Jan 27, 2011 | insurance, life insurance, pilot, private pilots
It hasn’t been that long since admitting that you were a student pilot or a flight instructor on a life insurance application was, well, might as well have been an admission that you were a bush pilot or crop duster. Most companies weren’t and actually...
by Ed Hinerman | Jan 25, 2011 | insurance, life insurance, pilot, private pilots
I was checking up on the competition this afternoon when it comes to private pilot life insurance. A lot has changed over the last year with several companies jumping into the hunt for a chance to insure the lives of one of the healthiest groups around, pilots. I...
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 22, 2011 | insurance, life insurance, mortality
Young, healthy, immortal. Sure, you’ve talked about life insurance and you know it really doesn’t cost much at all, but you’re a guy. Men, especially young men, absolutely hate talking about real life. And in real life stuff happens. I know when...
by Ed Hinerman | Jan 21, 2011 | insurance, life insurance, stroke
Every year or two I like to share with you about the cost of procrastinating, foot dragging, not pulling the trigger……..putting off buying the life insurance that you know you should have. LIMRA says that there are about 35 million adults in our country...
by Ed Hinerman | Jan 20, 2011 | insurance, life insurance, private pilots
Anyone who has perused more than one of my blog posts knows that I am a huge advocate of annual reviews. I know this is a practice that has been abused by a lot of agents as a way to “just check in”, but really “sell you something else or...
by Ed Hinerman | Jan 19, 2011 | insurance, life insurance
I’ve been trying to explain life insurance financial justification to a client of mine today. He wants to buy a policy so if he dies a friend of his would be the beneficiary and will have enough money to buy a house from the insured’s Dad. A noble idea and...
by Ed Hinerman | Jan 18, 2011 | decline, life insurance
If you have ever had life insurance declined there is no doubt in my mind that you have an opinion as to whether that was a fair decision or not. If you were declined life insurance there is a very good chance that the decision is not one that is shared by all...
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