by Ed Hinerman | Apr 7, 2010 | guaranteed issue life insurance, insurance, life insurance, no exam
It may not be advertised as much as “ED” medications, but there is no lack of attempts to get you to look at various life insurance offers that hang their hat on the fact that you don’t have to take an exam. “No exam” life insurance is...
by Ed Hinerman | Apr 6, 2010 | Banner Life, conversion, insurance, life insurance
Over the past several months I have had a running dialog in this forum with the vice president of a major life insurance company. In question was that company’s decision to replace their no lapse guarantee UL as an option for conversion with a universal life...
by Ed Hinerman | Apr 1, 2010 | insurance, life insurance, universal life, whole life
“If you need life insurance for more than 20 years, choose whole life; for 10 or fewer years, choose term life. For the time in between, ask a licensed professional to review your situation.” This patently ridiculous advice came from an article titled Term...
by Ed Hinerman | Mar 27, 2010 | insurance, life insurance
There are plenty of ways to paint scary pictures of what could happen if you don’t have life insurance to protect your family. And they’re real, but do we really need them to prompt us to do the right thing. Buying life insurance isn’t something that...
by Ed Hinerman | Mar 16, 2010 | gastric bypass, insurance, life insurance, obesity
America has spent trillions of dollars monitoring, spying on and fighting enemies abroad since its’ inception. Now it would appear that we are being overtaken from the inside, not by armed terrorists, but by fat. Obesity is out to kick our behinds. Now...
by Ed Hinerman | Mar 9, 2010 | insurance, life insurance, whole life
Yesterday I offered a post about term insurance versus whole life. There was on piece of the puzzle I left out, a particularly disturbing one since, first and foremost a life insurance agent should be all about making sure there is enough death benefit to take care of...
by Ed Hinerman | Mar 8, 2010 | insurance, life insurance, term insurance, whole life
Clients being ever vigilant for the fine print or hidden costs occasionally ask how I get paid. The core of the question for them is, of course, any additional cost they might incur above and beyond the premium. How do life insurance agents get paid? This isn’t a...
by Ed Hinerman | Mar 3, 2010 | insurance, life insurance, term insurance
A year and a half ago when everyone’s 401k’s had suddenly turned into 201k’s I threw out the suggestion that people buy 10 year term insurance as a way to kind of fill the bucket back up until things recovered. Now true, it wasn’t an idea to...
by Ed Hinerman | Mar 2, 2010 | cholesterol, conversion, insurance, life insurance
Of course that questions begs another question. Has common sense ever been a standard of life insurance underwriting? The real answer is yes. Absolutely yes. Before the big changes that came with the shrinking number of reinsurance companies and before we were...
by Ed Hinerman | Feb 23, 2010 | insurance, life insurance, term insurance
It’s probably been close to a year since I first mentioned the United of Omaha (Mutual of Omaha) lifestyle crediting program for life insurance underwriting called the Fit test. The Fit test provides the underwriter plenty of ammunition to approve a policy at...
by Ed Hinerman | Feb 23, 2010 | insurance, life insurance, term insurance
Using a LIMRA study of a few years ago, at that point there were tens of millions of Americans that would fit into a category of “needing” life insurance, but didn’t have any. I know I’ve been down this road before, but is there really a case...
by Ed Hinerman | Feb 15, 2010 | bypass surgery, insurance, life insurance
No, I’m not getting into pet insurance, but I would like to talk about the lack of curiosity people have about their own health. From the simplest of things Americans start out with failing grades, possibly because it’s not taught in schools or possibly...
by Ed Hinerman | Feb 12, 2010 | insurance, life insurance, term insurance
I don’t think I’m suffering from the delusion that everyone has vast amounts of left over money they can buy life insurance with. I know that my left over money is far from vast, and probably better characterized as sporadic, but my life insurance is...
by Ed Hinerman | Feb 9, 2010 | guarantee, insurance, life insurance, term insurance
Life insurance companies, even highly rated companies, come and go. While some sell their blocks of business because they’re not competitive anymore, many decide to sell because another company offers them a huge amount of money. Protective Life made the board...
by Ed Hinerman | Feb 5, 2010 | insurance, life insurance, universal life, whole life
I just got my new issue of Insurancenewsnet magazine, one of those industry publications that occasionally has some very good information and occasionally has some of the most lop sided, half truthed articles you can imagine. Obviously I wouldn’t have brought it...
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