by Ed Hinerman | Feb 12, 2009 | insurance, life insurance, suze orman, term insurance, universal life, whole life
Suze Orman, the queen of life insurance misinformation, has riled up the folks at MSN Money now. I thought they kind of soft peddled it a bit in their claim that she doesn’t have a clue about anything. While MSN took exception to her ridiculous investment...
by Ed Hinerman | Feb 10, 2009 | buy/sell life insurance, insurance, life insurance, term insurance, universal life, whole life
For those that sell whole life or universal life they would have everyone believe that term insurance is a product developed by insurance companies to keep from paying death benefits. The only way to have life insurance is to have it go on for life, says them. What...
by Ed Hinerman | Feb 3, 2009 | insurance, life insurance, term insurance, universal life, variable universal life, whole life
We’ve discussed a lot of different aspects of how the current recession and economic meltdown can impact life insurance. There’s more to talk about that will be coming soon Certainly any non guaranteed product will see rate increases. That’s no...
by Ed Hinerman | Feb 2, 2009 | blood pressure, decline, high blood pressure, insurance, life insurance, mortality, PSA, stroke, term insurance
The trend never seems to end. Men especially aren’t real keen on regular checkups with their doctors and have this almost childlike view of mortality. They’re sure people get sick and die, but it’s certainly not them or anyone remotely close to their...
by Ed Hinerman | Jan 31, 2009 | beneficiary, death benefit, insurance, life insurance, life settlements, mortality, term insurance
If someone offered you money for your term life insurance policy, which we all know has no value unless you’re dead, would you take it? If you were sick and had been racking up medical bills and someone offered you enough money to pay those bills, let’s...
by Ed Hinerman | Jan 31, 2009 | cancer, heart attack, insurance, life insurance, term insurance
It’s not likely that I will live long enough to actually hear every argument for not buying life insurance, but the truth is that the only thing that replaces life insurance is liquid assets, wealth. Life insurance really has two main purposes. Peace of mind is...
by Ed Hinerman | Jan 31, 2009 | AIG, death benefit, guarantee, Independent agent, insurance, life insurance, mortality, term insurance, universal life, variable universal life, whole life
Anyone who has health insurance has already, or will soon find out the frustration of having insurance that doesn’t have all of it’s features guaranteed. At any point the dreaded letter can come and your copay can change, your premium can change or your...
by Ed Hinerman | Jan 31, 2009 | insurance, life insurance, suze orman, term insurance
There has been no lack of financial “wisdom” floating around since our economy skipped right past recession and into economic meltdown. The Suze Ormans and Warren Buffets and Dave Ramseys have all espoused the time tested “don’t freak out and...
by Ed Hinerman | Jan 31, 2009 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance, whole life
Ah, the almost age old question, term versus whole life. What is the right thing to do? Forgive me for being more than just a little opinionated on this subject, but personally I think that is a right for anyone that is on the right side of an argument. Whole life...
by Ed Hinerman | Jan 31, 2009 | insurance, life insurance, term insurance
“Should I have life insurance?” The determining question for me is the presence of a need that can’t be met in another way. In a world that is defined a little more each day by I, me, mine, there is a tendency to dismiss the impact that our premature...
by Ed Hinerman | Jan 30, 2009 | insurance, life insurance, term insurance, universal life, whole life
This is a good time to consider how you are paying for your life insurance because as this recession deepens, strict budgeting is becoming more and more a necessity. When it comes to life insurance bills there are definitely different feelings about how often and how...
by Ed Hinerman | Jan 20, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, variable universal life, whole life
I would like nothing more than to be blogging today to humbly admit that I had cried wolf and that all of my screaming about non guaranteed life insurance teetering on the precipice was wrong, but…….. I spoke with a client looking for term insurance about...
by Ed Hinerman | Jan 17, 2009 | insurance, life insurance, term insurance
Not a week goes by that I don’t get to have the “reality” discussion with someone about the fact that life insurance rates have been dropping steadily over the past 10-15 years. That fact is absolutely 100% true for some people. First, the biggest...
by Ed Hinerman | Jan 15, 2009 | cancer, pilot, private pilots, stroke, student pilot, term insurance
One in six men who reach age 26 in our country will not make it to age 64. For women it is one in nine. I live in a small town in the “Heart of the Rockies”, Salida, Colorado. Around here when someone passes away, everyone knows it. When someone passes...
by Ed Hinerman | Jan 14, 2009 | insurance, life insurance, term insurance
It’s tough. No, it’s scary to be proactive in an economic meltdown of the proportions that we are experiencing right now, but it may mean the difference in your family’s future. There’s no surprise that I would want to talk about life...
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