by Ed Hinerman | Oct 8, 2009 | conversion, guarantee, insurance, life insurance
I am and always will be all about guarantees in life insurance. The job it is purchased for is simply far to important to leave up to the whims of the economy or the company. In the absence of contractually guaranteed rates, the company has the right to change your...
by Ed Hinerman | Sep 29, 2009 | insurance, life insurance, term insurance
We see it all the time. A young man dies in a car accident or from cancer, a totally unexpected event and an event that rips the roof right off of the life of the young wife and children he has left behind. He never considered life insurance. Life at that point seems...
by Ed Hinerman | Sep 2, 2009 | insurance, life insurance, term insurance
2/3 of 2009 have slipped by and there is just no denying anymore that the industry trend for external guarantee life insurance policies such as term insurance and universal life with a no lapse guarantee has changed. Term insurance has been going down in price and...
by Ed Hinerman | Aug 26, 2009 | insurance, life insurance, rate increase
This is actually a little hard to get used to. After 10-15 years of term insurance rates trending downward, that isn’t the case anymore. While we haven’t seen any alarming increases in term insurance rates, one company after another is turning the corner...
by Ed Hinerman | Aug 18, 2009 | insurance, life insurance, term insurance
Well, uh, No! I know I’ve been talking for months about the fact that term life insurance seems to have finally hit the skids on it’s nearly 15 year downward trend in prices. And I’ve talked about this being probably the best time to buy term life...
by Ed Hinerman | Aug 17, 2009 | insurance, life insurance, term insurance, universal life, whole life
The age old debates about what type of life insurance to buy and at what age a person should definitely have life insurance will go on long beyond me. But this morning I just want to weigh in on with a little different perspective. There are two things that I think we...
by Ed Hinerman | Aug 13, 2009 | insurance, life insurance, term insurance, universal life
When it comes to universal life insurance policies that question could be asked both of the people who own the policies and the companies that sold them. We are currently collaborating on an article that will hopefully bring the picture into focus, that picture...
by Ed Hinerman | Jul 31, 2009 | buy/sell life insurance, insurance, life insurance
What happens to a business partnership when one of the partners passes away is of particular interest to both the family of the deceased and the surviving partner. If a plan is in place the transition can go smoothly. If there is no plan in place it can be...
by Ed Hinerman | Jul 20, 2009 | insurance, life insurance, no exam
One of the little inconveniences of applying for life insurance is that, although free and done at your home or work, there is the need for an exam. With the exception of larger policies most exams consist of blood and urine specimens, a check of your height, weight...
by Ed Hinerman | Jul 15, 2009 | insurance, life insurance, rate increase, term insurance
As the number of companies grows announcing term insurance rate increases, in the last few weeks another snowball has started rolling down hill that will affect many, especially young adults in their 30’s and 40’s. The most recent trend is companies...
by Ed Hinerman | Jul 8, 2009 | insurance, life insurance, term insurance
In the May 2009 issue of Wealth Manager Warren Buffet was quoted as saying, “It’s only when the tide goes out that you learn who’s been swimming naked.” That couldn’t be more true when it comes to this past year’s economy and those who didn’t use...
by Ed Hinerman | Jul 7, 2009 | insurance, life insurance, universal life
I received an email from North American Life today touting their indexed universal life products as the second coming of the 1980’s. I can’t believe that life insurance companies still lean on agents to push non guaranteed assumptions on unsuspecting...
by Ed Hinerman | Jul 7, 2009 | insurance, life insurance, New York Life, term insurance
New York Life has started a newsletter on Twitter and decided to follow me, I suspect because of this real fondness I have for their overpriced term products, their love of whole life and the commissions they get from it, and last but by no means least, their sick...
by Ed Hinerman | Jul 6, 2009 | insurance, life insurance, term insurance
There is a point that us old guys reach where no matter how healthy we improve our mortality risk in the next year we just aren’t going to be able to get life insurance cheaper than we can today. I just had this delicate conversation with a 61 year old man who...
by Ed Hinerman | Jul 1, 2009 | insurance, life insurance, smoking
I would be the last person in the world to say that habits are easy to change, especially bad, life long, ingrained habits. But no kidding, there are some cases I really can’t wrap my mind around. The one that caught my “you’ve got to be...
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