by Ed Hinerman | Sep 24, 2007 | insurance, life insurance, term insurance, universal life
I feel like I’m in a movie, a thriller called Universal Life Exposed. Rather than getting the movie right and then releasing it, each time a viewer doesn’t get the plot, we re-shoot the movie. So, Universal Life Exposed, scene 1, take...
by Ed Hinerman | Sep 22, 2007 | Anxiety, cancer, cholesterol, Depression, heart disease, insurance, life insurance, private pilots, term insurance, universal life
For the next several weeks I will be occasioanally giving information on the companies that I use. Each of these companies has a strong point or they would’t be in my portfolio. Each of them has weak points and these are things I consider when I am...
by Ed Hinerman | Sep 16, 2007 | Burial insurance, estate taxes, final expense life insurance, insurance, life insurance, term insurance, universal life, whole life
Term insurance or whole life? Term insurance or universal life? How should you decide just what product best fits your need for protection for your family? I’ve discussed in numerous posts how to determine the proper term length and the proper use of term...
by Ed Hinerman | Sep 12, 2007 | insurance, life insurance, term insurance, universal life
Within the next month or so I expect we will be announcing an affiliation that will allow us to write both term insurance and universal life insurance all over the world. In a previous post I had mentioned that we had found a company that was willing to write...
by Ed Hinerman | Sep 11, 2007 | cancer, heart attack, insurance, life insurance, prostate cancer, term insurance, universal life
We have been gutting term life insurance this week starting with a look at an actual policy. Being a contract as it is, there are plenty of definitions and clauses and options and such. So my previous posts didn’t get too hefty, I picked out a few items to...
by Ed Hinerman | Sep 11, 2007 | insurance, life insurance, term insurance
In the last post we covered the fact that the “default” payment option is a lump sum payment to your beneficiary. Either the owner of the policy or the beneficiary can change that option. Attached is the portion of the policy that deals with payment...
by Ed Hinerman | Sep 11, 2007 | insurance, life insurance, term insurance, universal life, whole life
Now we are into some exciting stuff. We have blown past the cover and are now truly into the guts, the purported fine print, of my policy. I won’t hit on every detail of the next 4 pages. I figure if you can follow my ramblings, a little contract language should...
by Ed Hinerman | Sep 10, 2007 | insurance, life insurance, term insurance
Over the next three posts I will be opening up an actual in force term life insurance policy in an effort to do away with the “fine print” myth that I mentioned in a previous post, and also to generally educate you about the guts of a policy. There are no...
by Ed Hinerman | Sep 9, 2007 | insurance, life insurance, term insurance
Look out for the fine print! Make sure you check the fine print in your contract! There is probably nothing about a contract, whether it is a lease, a financing contract, or a life insurance policy, that worries people more than the fine print. Thanks to insurance...
by Ed Hinerman | Sep 8, 2007 | cancer, Independent agent, insurance, life insurance, term insurance
It’s been another one of those weeks where people seem to be out to overthrow logic with, well, illogical thinking. It was about a tie between the insurance companies and those considering buying life insurance. They both seem to have a common flaw in the way...
by Ed Hinerman | Aug 31, 2007 | insurance, life insurance, term insurance
I shared some information not too long ago from the Life Insurance Market Research Association (LIMRA) and the bottom line was that studies showed that American families were generally under insured, knew they were under insured, but in general weren’t real sure...
by Ed Hinerman | Aug 16, 2007 | Independent agent, insurance, life insurance, term insurance, universal life
I love that saying! I have it hanging in my office. I don’t, however, have much fondness for those that it applies to. It would not be hard, or take long to write a book about stupid, harmful life insurance recommendations made by, and I use this reference...
by Ed Hinerman | Aug 16, 2007 | insurance, life insurance, term insurance, universal life, whole life
I mean really. What one of you hasn’t wondered at some point how a company can offer $500,000 worth of life insurance for for $14 per month. You die after 10 months (made the math easy on myself) and they’ve taken in $140 and paid out $500,000, a net loss...
by Ed Hinerman | Aug 14, 2007 | cancer, heart attack, insurance, life insurance, term insurance
Whatever the name it’s given for a particular situation, death bonds, viaticals, investor owned life insurance, life settlement…..it all comes down to a large step away from what life insurance ought to be, and a blemish on the integrity of the life...
by Ed Hinerman | Aug 6, 2007 | insurance, life insurance, term insurance, universal life, whole life
A client today from Indiana, was telling me about their life insurance policy that was good until 2064. That would be to her age 95. She, like so many people, are really not quite clear on what they have. In her case she had a 30 year term policy. The guaranteed level...
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