by Ed Hinerman | Dec 28, 2010 | insurance, life insurance, obesity, Prudential
Now that the results are in and we’ve quietly sneaked on and quickly back off of the scales, let’s talk about what that number means in the world of life insurance. Whether it’s just extra pounds or obesity life insurance is available and at...
by Ed Hinerman | Dec 27, 2010 | Dave Ramsey, insurance, life insurance, smoking
I got in a bit of a tiff with Zander Insurance Group about a year and a half ago over, at that time, their not showing the best preferred smoker rates when their clients were getting on line quotes. Being a long time Dave Ramsey fan and moderator for his Financial...
by Ed Hinerman | Dec 16, 2010 | AARP, guarantee, insurance, life insurance
Occasionally I review old posts to update or delete them and sometimes I run across one that I can remember writing. I feel my anxiety disorder getting pumped up. I feel my blood pressure rise and, well, I repost it. From 2008!! With each new magazine or bulletin, my...
by Ed Hinerman | Nov 30, 2010 | estate taxes, insurance, life insurance
We would have certainly guessed that Congress would have dealt with the estate tax issue by now but, well, we would have guessed wrong for the second year in a row. There is still a lot of uncertainty about the future of estate tax law and along with that is the very...
by Ed Hinerman | Nov 24, 2010 | conversion, insurance, life insurance, West Coast Life
United of Omaha came out with a marketing piece today that just made me smile. One of the things I feel so very strongly about in life insurance is the ability to convert a term insurance policy to a permanent life insurance product. Some companies have recently come...
by Ed Hinerman | Nov 23, 2010 | life insurance, term insurance, whole life
Consider this my little Thanksgiving treat to the life insurance world. I am about to say something very positive about whole life insurance. So often I’ve beat whole life to death in comparing it to term life insurance, but Happy Thanksgiving! The whole life...
by Ed Hinerman | Nov 9, 2010 | conversion, insurance, life insurance, term insurance, universal life
When all of the sub prime mortgages started going south life as we knew it changed, big time. The American dream became the good old days in just a matter of months. I wonder if someone had shouted loud enough or provided disclaimers scary enough before the loans if...
by Ed Hinerman | Nov 2, 2010 | Banner Life, conversion, insurance, life insurance
I have always been an advocate of buying a term length, or multiple term policies that reflect your actual life insurance needs with different term lengths. Due to some recent changes in conversion options I am considering an amendment to my recommendation. It all...
by Ed Hinerman | Oct 25, 2010 | conversion, insurance, life insurance
I recently wrote about kind of running across a new (this year) change in American General Life’s term conversion rules that really stinks for anyone who has had their term policy for more than 5 years. It particularly struck a raw nerve because I was trying to...
by Ed Hinerman | Oct 11, 2010 | conversion, insurance, life insurance, term insurance
I had this comment on a post the other day from Richard. “Just got off the phone with Lincoln and AM Family Insurance. No conversions on universal life policies. Ours are 15-19 years old, while there is no termination fees, if we cashed, they advise we to treat...
by Ed Hinerman | Oct 1, 2010 | family history, insurance, life insurance
There is almost always an audible let down (sometimes mixed with some expletives) when I ask about family history of heart disease, cancer and diabetes. The typical response goes something like, “How can they hold that against me when my Dad was an overweight,...
by Ed Hinerman | Sep 28, 2010 | guarantee, guaranteed level premium, John Hancock, life insurance
I’ve written multiple times on the need for guarantees in life insurance. “Make sure the insurance you have has a guaranteed rate for as long as you’re going to need it”……”Don’t buy any insurance that doesn’t have...
by Ed Hinerman | Sep 21, 2010 | insurance, life insurance, whole life
John Hancock announced today that sales of their Protection Whole Life product will be temporarily suspended “due to the ongoing low interest rate environment”. Protection Whole Life has a guaranteed interest rate of 5%, slightly higher than industry...
by Ed Hinerman | Sep 15, 2010 | final expense life insurance, insurance, life insurance, senior life insurance, whole life
When I go through my daily Google Alerts to keep current with life insurance related matters, one of the topics I follow is “Final Expense Life Insurance”. More than any other topic I follow this is absolutely riddled with a combination of bad advice and...
by Ed Hinerman | Sep 8, 2010 | insurance, life insurance, over 50 life insurance, term insurance, universal life, variable universal life, whole life
I feel a little like the boy that cried wolf and pretty soon no one is listening, but if you have a universal life, variable universal life, indexed universal life or whole life policy, the wolf is real and if you ignore it long enough it’s going to mess up your...
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