by Ed Hinerman | Feb 11, 2007 | insurance, life insurance, return of premium term insurance, term insurance
I try never to assume that everyone knows all of the benefits of life insurance. One that is huge beyond measure for your heirs is that the life insurance benefit that you leave behind is not income taxable. Unlike hitting the lottery, the government has graciously...
by Ed Hinerman | Feb 9, 2007 | children's life insurance, guaranteed issue life insurance, insurance, insurance quotes, Juvenile life insurance, life insurance, private pilots, term insurance, universal life, whole life
Advocate is defined in the dictionary as “one that supports or promotes the interests of another”. There are several “advocacy” groups that promote life insurance to their members or to the group of people that they would suggest they are...
by Ed Hinerman | Feb 8, 2007 | insurance quotes, life insurance, term insurance
While many of the largest life insurance “internet marts” use misleading advertising to get you in the door, Selectquote is certainly the most consistent and pervasive. Allow me to paint one of their ads for you often seen on MSNBC. The picture is of a...
by Ed Hinerman | Feb 7, 2007 | insurance, life insurance, return of premium term insurance, term insurance, universal life
How many times have I heard that? The conversation goes something like this. “Mr Smith, based on your health information it looks like we should be able to get a $1,000,000, 20 year term policy for $1200 a year, about $100 per month.” Mr Smith counters...
by Ed Hinerman | Feb 6, 2007 | insurance, life insurance, term insurance, universal life
Term life insurance is the most practical, appropriate and affordable life insurance for 90% or more of the average person’s life insurance needs. The obvious feature that people buy term life insurance for is the death benefit. They want to know that their...
by Ed Hinerman | Feb 4, 2007 | insurance, insurance quotes, life insurance, term insurance, universal life
Can he or she tell you honestly that all the provisions of your term insurance or universal policy are guaranteed? That there are no surprises or changes down the road? That you can count on these guarantees and hold them accountable for making sure that you are kept...
by Ed Hinerman | Feb 3, 2007 | insurance, life insurance, term insurance
I am always taken aback by life insurance clients who, faced with the truth that they don’t qualify for as good a rate as they want, opt to just not buy insurance at all. I had a client a few years back. A mid 30’s professional, married with 2 young...
by Ed Hinerman | Feb 3, 2007 | estate taxes, insurance, life insurance, term insurance, universal life, whole life
Let’s start with definitions of whole life, term insurance and universal life. Whole Life, as a product, is now very rare . These days it is actually more of a generic term referring to permanent, usually universal life insurance. The definitions! Whole life...
by Ed Hinerman | Feb 2, 2007 | children's life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life, whole life
Again, not a subject that most parents these days want to talk about, but it used to be very common. The truth is that the chance of a healthy child dying before adulthood is very small. So, in the minds of most loving parents is the thought, “why even think...
by Ed Hinerman | Jan 28, 2007 | guaranteed issue life insurance, insurance, life insurance, term insurance, universal life
One of the most common misconceptions is that there is a waiting period before the insurance would pay. Most people say they’ve heard life insurance doesn’t pay if you die in the first two years of a policy. The confusion lies somewhere between two...
by Ed Hinerman | Jan 26, 2007 | insurance quotes, life insurance, return of premium term insurance, term insurance
Wouldn’t it be great if you could just use life insurance during those years you need it and it you didn’t die, it wouldn’t cost anything? Well, there’s good news for you, maybe. Return of premium term insurance does exactly that. You can take...
by Ed Hinerman | Jan 24, 2007 | insurance quotes, life insurance, private pilots, term insurance
Most of the private pilots in the US have had some experience with the effect their hobby or avocation has on their life insurance rates. Insurance companies generally don’t look favorably on private aviation and the insurance quotes that most companies and...
by Ed Hinerman | Jan 24, 2007 | insurance quotes, life insurance, term insurance, universal life
How refreshing to not hear Term vs Whole Life. The question is how to decide which product is appropriate for your family protection. A simple rule of thumb would go something like this. If you can determine (approximately) the point in the future when you won’t...
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