by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Mar 17, 2009 | insurance, John Hancock, life insurance, Protective Life, Prudential, term insurance, universal life
Since the end of 2008 I have been following with detail as rapidly as possible about the changes in the life insurance business. The downward trend in term insurance rates and the higher reserve requirements for universal life NLG policies are changing the landscape...
by Ed Hinerman | Mar 11, 2009 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, Prudential
The truth is that I doubt if anyone makes it through life without situational anxiety or depression and there are days when I would swear the whole world is ADD, so what’s the big deal? For years a lot of the more conservative life insurance companies have with...
by Ed Hinerman | Mar 3, 2009 | Protective Life, Prudential, term insurance, universal life, whole life
I’ve been blogging since the first of the year about the coming changes in universal life products that have external no lapse guarantees. Well, there’s good news and bad news on that front. The good news is that it is still available from the top...
by Ed Hinerman | Feb 23, 2009 | insurance, life insurance, Prudential, term insurance, universal life, whole life
I realize that this is like one of those insurance guy things. We get all excited when some really good product is about to change (not for the better), or we get wind of a rate increase. It’s a chance to get the word out and hopefully do something good for...
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