by Ed Hinerman | Jan 8, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
Since the financial meltdown of 08 began I have been gently screaming my head off for those millions of folks whose life insurance is tied up in whole life and traditional universal life to have it reviewed. Get a reality check!!! There are only a handful of factors...
by Ed Hinerman | Dec 31, 2008 | insurance, life insurance, term insurance, universal life, whole life
When AXA Equitable made it official last week that they were going to discontinue their no lapse guarantee universal life products, I suggested that what we were gazing at was the tip of the iceberg. There is some indication now that Phoenix Life will be announcing...
by Ed Hinerman | Dec 22, 2008 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
I try very hard to get out relevant life insurance information in a timely manner and would hope never to jump the gun and potentially mislead. In this case it appears that while I was a few days ahead of the event, the wolf was in fact on his way. In a post last...
by Ed Hinerman | Dec 18, 2008 | cancer, conversion, Independent agent, insurance, life insurance, term insurance, universal life, whole life
Term insurance policies have a golden egg buried in them call the conversion option. This option allows you to convert all or part of your term insurance policy into a permanent policy without evidence of insurability. This is huge in several ways. Let’s use me...
by Ed Hinerman | Dec 17, 2008 | estate taxes, final expense life insurance, insurance, life insurance, term insurance, universal life, whole life
For as long as I’ve been sharing the “life insurance world according to Ed”, I have beat the drum as hard as I can that there is only one good permanent product out there and it doesn’t have cash value. It’s called universal life with a...
by Ed Hinerman | Dec 17, 2008 | insurance, life insurance, term insurance, universal life, whole life
There are probably plenty out there that believe I wake up to the mantra every morning, and the truth is that I sometimes believe “if only I can blog loud enough”…….. We are in some horrific financial times and I’m thinking that very few...
by Ed Hinerman | Nov 26, 2008 | cancer, diabetes, insurance, life insurance, obesity, term insurance
One of the things that is hard to drive home to people who are looking for life insurance is the cost of waiting to correct a situation that is keeping them from the rate class they want. Probably the single issue where this comes up most frequently is obesity. Just a...
by Ed Hinerman | Nov 25, 2008 | cholesterol, insurance, life insurance, liver functions, no exam, PSA, smoking, term insurance
With very few exceptions life insurance applications are accompanied by a physical exam and blood and urine tests. Occasionally the issue of a blood draw can complicate things with people whose veins are hard to find or those that are just plain freaked out by...
by Ed Hinerman | Nov 22, 2008 | insurance, life insurance, suze orman, term insurance, universal life, whole life
With all the ongoing financial drama, television networks are falling all over themselves to interview experts on this and that and what the heck we should do to protect our retirement. Just by the sheer luck of the draw I ran into three Suze Orman interviews within...
by Ed Hinerman | Nov 20, 2008 | diabetes, heart disease, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
We’ve been hitting them out of the park on type 2 diabetes underwriting for quite some time, but that pot at the end of the rainbow, fair underwriting for type 1 diabetes, that we never have been able to get to is finally coming within reach. Given certain...
by Ed Hinerman | Nov 16, 2008 | insurance, life insurance, term insurance, universal life, whole life
I receive although I never subscribed to an industry magazine called National Underwriter. It occasionally has a relevant article on such things as estate taxes, marketing ethics and so on, but mostly the articles lean in directions that are against my professional...
by Ed Hinerman | Nov 14, 2008 | insurance, life insurance, term insurance
With people climbing every mountain top looking for answers to how to save their retirement from the economic meltdown that has consumed us for the past few months, it amazes me that the financial guru’s of the world are leaving out one of the easiest and most...
by Ed Hinerman | Nov 12, 2008 | insurance, life insurance, life settlements, term insurance
I’ve made no bones in the past about my issues with the life settlement or viatical market. In addition to the fact that many life insurance companies are opposed to the practice, I have not been convinced that it is an ethical practice. The idea of someone in...
by Ed Hinerman | Nov 3, 2008 | insurance, life insurance, term insurance, universal life, whole life
In these tough economic times ways to save money are always appreciated as long as there aren’t any hidden surprises. Probably one of the most overlooked potential savings is in life insurance that you have had for five to ten years. If your health has remained...
by Ed Hinerman | Oct 30, 2008 | cholesterol, diabetes, heart attack, insurance, life insurance, PSA, term insurance
But declines happen. I’ve put together a list of the top reasons that applicants are denied coverage. We’ll start out with the first two which were covered in a post yesterday. 1. Your agent did a sloppy job. Sometimes agents slip into a habit of not...
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