by Ed Hinerman | Sep 26, 2011 | insurance, life insurance, over 50 life insurance, term insurance
Here we go again with the economy and all of our investments. Just as I did a few years ago I need to dust off a bit useful suggestion and reach out again. Investment counselors are trained to say that the market is cyclical and that you shouldn’t freak out in...
by Ed Hinerman | Jul 7, 2010 | insurance, life insurance, over 50 life insurance
With so much financially unchanged I want to dust off some previous advice and suggest that it was right then and still warrants some consideration. If you are over 50 life insurance may be one of those anchors in the storm that helps us to breath easier. Everything...
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 | Jun 25, 2009 | insurance, life insurance
It took an event like the current recession for many people to finally recognize the importance of life insurance in financial and retirement planning. Financial planners have always advocated the use of life insurance to cover the “what ifs” in your...
by Ed Hinerman | May 15, 2009 | AIG, insurance, life insurance, Prudential, term insurance
One of the considerations when you are putting together a life insurance program or portfolio should be flexibility, a way to deal with the “what ifs” in life. I’ve seen this a little more than usual as people have dealt with different aspects of the...
by Ed Hinerman | Apr 29, 2009 | foreign travel, insurance, life insurance
When the view out the office window looks like this sometimes it feels like we are protected by those 14,000 foot peaks from the real world. Thanks to fiber optics and the internet we can sit here and do life insurance business with those out in the “real...
by Ed Hinerman | Apr 29, 2009 | Dave Ramsey, insurance, life insurance, prayer
There are days that stand out for me in life. My marriage. The day I gave my heart to Jesus. Each day that I have been able to deliver a death benefit check to a family of a client. There are people who touch me and make a difference. Today I had an opportunity to...
by Ed Hinerman | Apr 28, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
I certainly am not going to minimize anything about the swine flu outbreak and if it meets the WHO definition of a “Pandemic” it’s OK with me if they call it that. So I’ve often referred to the type 2 diabetes epidemic and wonder if it would...
by Ed Hinerman | Apr 23, 2009 | bait and switch, insurance, life insurance, term insurance
During this recession many people are turning to term insurance as a way to fill the void left by decimated investment portfolios. Like me, most believe that the hole will eventually fill back up, but in the interim who wants to leave their spouse with a 401k that has...
by Ed Hinerman | Apr 15, 2009 | insurance, life insurance, Prudential, term insurance, universal life, variable universal life, whole life
I have spent the last few weeks highly encouraging fence sitting customers to make a move if they truly want the deal of the century on term life insurance. While Prudential’s 4-5% increase in term insurance rates will still keep them competitive, when you...
by Ed Hinerman | Apr 1, 2009 | conversion, insurance, life insurance, term insurance, universal life, whole life
I just off off the phone with a man who got laid off and then got blown over when he found out the reality of what it would take to make his group life insurance portable. Since I’ve been in the business, even back when I was big into setting up group plans, I...
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 4, 2009 | insurance, life insurance, suicide clause
I’ve often been told that life insurance has an out with people with severe depression or severe bipolar disorder because they’ve got that suicide clause thing. I’ve written about this before and I think life insurance companies would probably prefer...
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 25, 2009 | AIG, insurance, life insurance
Since AIG hit the skids last fall I have been keeping clients and readers on top of the “what ifs” with their life insurance branch, American General. AIG’s recession slide has been a boondoggle of epic proportions with nearly $150 billion of bail...
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