by Ed Hinerman | Nov 30, 2007 | insurance, life insurance, term insurance
Prices are dropping! Save 60% to 70% on term life insurance! We’ve all read the articles and seen the advertisements. We would all like a piece of that less expensive pie to protect our families. But, is it real? Does the agent you are talking to really know how...
by Ed Hinerman | Nov 16, 2007 | blood pressure, cholesterol, cigar smokers, Independent agent, insurance, life insurance, term insurance
Just when you think you’ve seen it all! MSNBC takes the big bucks from Selectquote to misrepresent term insurance on national TV. Suze Orman is given the green light to puke out life insurance stupidity at Oprah’s expense. And now. CNN has obviously...
by Ed Hinerman | Nov 15, 2007 | insurance, life insurance, return of premium term insurance, term insurance, universal life
New York state’s insurance department is inching their way toward the 1980’s in their life insurance product availability. You would have to live there to appreciate (or not), just how antiquated the mortality assumption logic is. A good example, probably...
by Ed Hinerman | Nov 13, 2007 | insurance, life insurance, term insurance
I had a discussion with my Farmer’s Insurance agent the other day. I have my auto, homeowners and office insurance through him. He has great products and offers very good service. He called to ask me about life insurance prices. You see, he is licensed to sell...
by Ed Hinerman | Nov 9, 2007 | cholesterol, heart attack, insurance, life insurance, term insurance
I know there is logic galore for putting off the purchase of life insurance until just the right time, or until you’re just the right weight, or until your cholesterol is just the right level…..and the logic fails completely when you drop dead before you...
by Ed Hinerman | Nov 6, 2007 | insurance, life insurance, term insurance, universal life
For those of us who maintain that there is some value in keeping our life insurance licenses unscathed and not getting our pants sued off, the life settlement business has just been one of those things that just hangs out there. The life settlement business has...
by Ed Hinerman | Nov 1, 2007 | insurance, life insurance, obesity, term insurance
For those that do read my blog, you might be thinking that I’ve made it my mission in life to point out everything wrong with obesity. And to some extent I have. But I hope the reason isn’t lost in all of the information I provide. I care deeply about...
by Ed Hinerman | Oct 31, 2007 | business life insurance, insurance, life insurance, term insurance
A what you say? To put in more meaningful terms, if your employer died today, would the company continue to exist? Is there a plan in place to keep the business going? If not, is there a plan in place to soften the economic impact on employees, especially key...
by Ed Hinerman | Oct 30, 2007 | business life insurance, children's life insurance, guaranteed issue life insurance, insurance, life insurance, term insurance, universal life, whole life
I had an email from a potential client today that said “I am looking for reasonably priced life insurance where there are no health questions and/or physical exam. If your group can fullfill these requirements than you can contact me”. There are a lot of...
by Ed Hinerman | Oct 24, 2007 | insurance, life insurance, term insurance
There are a lot of women out there who pay attention to the advice that comes from the Oprah show and when it comes to finances, it’s Suze Orman. Run from this woman if she tries to give you life insurance advice. As a life insurance professional I found it...
by Ed Hinerman | Oct 18, 2007 | gastric bypass, insurance, life insurance, obesity, term insurance
Obesity is at epidemic levels in the US. In the past 20 years the trend toward obesity has been dramatic to the point where there are now only 4 states, Hawaii, Colorado, Massachusetts and Rhode Island, where less than 20% of the population has a body mass index of...
by Ed Hinerman | Oct 17, 2007 | Biggest Loser, Fat March, insurance, life insurance, obesity, term insurance
In previous blogs I covered the ABC weight loss reality show Fat March. The mode of operation was to walk 580 miles from Boston to DC. The weight loss was dramatic, but I mentioned in more than one post that it seemed that the single focus exercise and the brutal...
by Ed Hinerman | Oct 16, 2007 | insurance, life insurance, term insurance
The truth is that most of us, if someone else was paying the bill, would carry more life insurance than we do. When I work with people to come up with a life insurance plan I always insist that they consider budget and do as much as they can within a budget they can...
by Ed Hinerman | Oct 9, 2007 | Biggest Loser, insurance, life insurance, term insurance
After episode 3’s relatively low weight loss, except for the red team, weight starting falliing off again. Again, my goal with this blog is not to talk about the drama of the game, but rather the health and life insurance aspects of weight loss. With each weigh...
by Ed Hinerman | Oct 7, 2007 | estate taxes, Independent agent, insurance, life insurance, term insurance, universal life
Most life insurance trusts are funded by permanent insurance, either universal life or whole life. This is generally not an inexpensive proposition, but compared to estate taxes, by far the smaller hit. I mentioned in a previous post that the ownership of a policy...
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