by Ed Hinerman | Sep 2, 2008 | insurance, life insurance, term insurance
A fairly frequent occurrence when I am consulting with a new client is for me to suggest that they consider two or more policies, usually staggering the term insurance lengths to more closely mirror their true need. This often triggers the question, “Is it OK to...
by Ed Hinerman | Aug 19, 2008 | Independent agent, insurance, life insurance, term insurance
I think I’ve made my position pretty clear when it comes to where the best values on life insurance can be found and the fact that your local auto and homeowners agency is not that place. I feel the need to expound today. You see advertisements all the time with...
by Ed Hinerman | Aug 18, 2008 | insurance, insurance quotes, life insurance, term insurance
I am a graduate of Dave Ramsey’s Financial Peace University and a firm believer in his financial guidance and yes, his thoughts on life insurance. I believe that both his passionate belief that people should have life insurance and that for almost everyone it...
by Ed Hinerman | Aug 14, 2008 | insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
Is return of premium term life insurance the right choice for you? What about a permanent universal life policy that will return your premium if you decide you no longer need it, or can no longer afford it? So let’s bust one myth right away. A lot of people...
by Ed Hinerman | Aug 7, 2008 | Independent agent, insurance, life insurance, term insurance
Gotta love that show Mythbusters. If I ever leave the life insurance business I could see signing on as a helper. So, let’s bust a myth about life insurance. The myth: You have to get your term insurance from a company that is highly rated. If you don’t...
by Ed Hinerman | Aug 6, 2008 | cholesterol, diabetes, heart attack, insurance, life insurance, obesity, term insurance
Life insurance agents don’t usually get paid unless they make a sale. This can sometimes cast us in a shady light if the application doesn’t go as planned and we start offering alternatives. People perceive us as doing what it takes to salvage some income...
by Ed Hinerman | Aug 5, 2008 | insurance, life insurance, term insurance, universal life, whole life
Ah, the age old argument. Term versus permanent (whole life or universal life)! Not that I think for even a minute that this list will win over anyone who sells whole life, but I just felt compelled to throw out a list of perfect uses for term insurance. 1. A 30 year...
by Ed Hinerman | Jul 31, 2008 | insurance, life insurance, term insurance, universal life, whole life
It’s no secret that I’m a fan of Dave Ramsey. My wife and I have been through his Financial Peace University and his no nonsense approach to finances has reshaped, or perhaps given shape, to our approach to money management. Dave is about as clear and...
by Ed Hinerman | Jul 29, 2008 | insurance, life insurance, term insurance, universal life, whole life
The argument of term versus permanent insurance has raged on since before I first got into the business in 1978. Back then the defining lines between the two were more stark, with the only term product available being a yearly renewable term, a product with a low...
by Ed Hinerman | Jul 23, 2008 | AARP, insurance, life insurance, term insurance, whole life
I recently applied for and received an AARP Group term life policy underwritten by New York Life. In previous posts I believe I’ve clearly made the point that these AARP offerings are a rip off of the sleaziest form, claiming to be advocates of the elderly while...
by Ed Hinerman | Jul 15, 2008 | insurance, life insurance, term insurance
We all have our way of doing things and I am convinced that there may be more than just a handful of people out there who disagree with me when it comes to how to handle life insurance in their lives, but bear with my bear analogy and see if there isn’t just a...
by Ed Hinerman | Jul 7, 2008 | AARP, insurance, life insurance, term insurance, universal life, whole life
With each new magazine or bulletin, my love/hate relationship with AARP is souring. I’m having a hard time feeling the love these days. I got their most recent bulletin (cheaper than a magazine advertising mode) today. An article caught my eye that had to do...
by Ed Hinerman | Jul 7, 2008 | insurance, life insurance, return of premium term insurance, term insurance, universal life
This is certainly in the top 10 questions I get from clients considering what product will best serve their life insurance needs. When I explain that a 10 or 20 year term is really not designed or priced to go beyond those guaranteed periods I usually get the stock,...
by Ed Hinerman | Jun 18, 2008 | insurance, life insurance, term insurance
Life insurance is all about taking care of obligations and responsibilities if you die prematurely. Prematurely can be defined by age or by your inability to meet those obligations and responsibilities with your accumulated net worth. Being in the life insurance...
by Ed Hinerman | Jun 10, 2008 | Independent agent, insurance, life insurance, term insurance, whole life
You have to love those one liners that just go on and on. I was always especially fond of the first President Bush’s “Read my lips” line. If Barbara Bush is anything like my wife she is probably still giving him a bad time over that. Well, now that I...
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