by Ed Hinerman | Mar 14, 2007 | Independent agent, insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
It’s always a good feeling for me when I do a project around the house and end up not needing everything I’ve purchased. Well anyway, it beats the feeling of coming up short and having to make another trip to the lumber yard or hardware store. At least...
by Ed Hinerman | Mar 14, 2007 | Independent agent, insurance, life insurance, private pilots, term insurance, universal life, whole life
The news from life insurance companies just keeps getting better when it comes to private pilots. More and more companies are softening their stance on the actual mortality risk that this group represents. Of course airline pilots have enjoyed the best insurance...
by Ed Hinerman | Mar 13, 2007 | insurance, life insurance, term insurance, universal life
Most companies and government agencies offer options when you retire if you are married. Generally it goes something like this. Option 1. Maximum payout. You can take $4000 a month on your retirement. It will remain at $4000 as long as you are alive. If you die and...
by Ed Hinerman | Mar 10, 2007 | Independent agent, insurance, life insurance, private pilots, term insurance
It’s interesting to see the debate on this issue. Some states have adopted regulations that don’t allow insurance companies to use foreign travel as criteria for underwriting life insurance. I’m not convinced that is a prudent move. Whenever a health...
by Ed Hinerman | Mar 9, 2007 | Independent agent, insurance, insurance quotes, life insurance, prostate cancer, PSA, term insurance, universal life, whole life
It was not that long ago that UNINSURABLE was often found in the same sentence with cancer, no matter the type, stage or grade. That was based on the fact that back when I was young people who had cancer, almost any kind of cancer, died from it. It seemed that the...
by Ed Hinerman | Mar 7, 2007 | Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance, universal life
I’ve found that one of the hardest things to decide when getting quotes for term life insurance is what term length is best. The reason it’s such a challenge is that the truth is that not all of our needs go away at once. A good independent life insurance...
by Ed Hinerman | Mar 6, 2007 | cancer, insurance, life insurance, return of premium term insurance, term insurance
Most people in their 20’s haven’t thought of and don’t care about life insurance, unless possibly one of their parents has died and either did or didn’t have adequate life insurance. Parents, it’s time to talk about the facts of life....
by Ed Hinerman | Mar 4, 2007 | insurance, life insurance, term insurance, universal life, whole life
Life insurance for women is a topic that sometimes brings primal grunts from men. Somehow they think women have wandered onto hallowed ground if they start valuing themselves in the family so much that they can quantify it with life insurance. Amazingly enough the...
by Ed Hinerman | Mar 4, 2007 | breast cancer, cancer, Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life, whole life
Like so many urban legends or wives tales, there is the notion going around that many people cannot get life insurance, or at the very best they have to have been cancer free for at least 10 years. Breast cancer survivors have been on the wrong end of this information...
by Ed Hinerman | Mar 4, 2007 | Burial insurance, final expense life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life
Want to throw a wet towel on an adult conversation? Ask your friends how much life insurance they carry on their children. The normal answer would run the gammet from, “why would I do a thing like that” to “that’s not something I want to talk...
by Ed Hinerman | Mar 3, 2007 | cancer, Independent agent, insurance, insurance quotes, life insurance, prostate cancer, term insurance, Type 1 diabetes, Type 2 diabetes
I was recently speaking to a woman in Arizona and she made the comment that her husband would really like to have term life insurance, but he had been told that he was uninsurable. Being the nosy kind of guy I am, and knowing that she is a nurse and would have good...
by Ed Hinerman | Mar 3, 2007 | accelerated death benefit, Independent agent, insurance, insurance quotes, life insurance, term insurance
It’s all over financial news sources. And it’s true. Not often news and truth are in the same corner, but here you go. Due to updated mortality tables and good old competition, the rates, primarily in the healthiest rate classes have been coming steadily...
by Ed Hinerman | Mar 2, 2007 | children's life insurance, Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance
Life insurance on a good day is considered by many to be a necessary evil. On a bad day, just a waste of money. Consider the following on a young couple in Alabama, that had just received a quote for term insurance from, of all sources, an AFLAC agent. The wife and...
by Ed Hinerman | Mar 1, 2007 | Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life, whole life
Ask a life insurance agent that has built his career convincing people that whole life insurance is everything you will ever need, about term insurance, and then cover your ears. You will still be able to hear them just fine. Their voice will have raised enough to...
by Ed Hinerman | Feb 28, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, term insurance, whole life
Burial insurance, sometimes also called a final expense policy, can be an affordable way to spread the expense of a loved one’s death over a number of years. Morbid idea? Not when you think it through. All of us reach the point of final expenses sometime. Final...
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