by Ed Hinerman | Feb 14, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, term insurance
Being over 50 myself I read that title and my mind immediately went to the thought that, “Well of course it has new meaning. We’re a lot closer to using it.” Whoa, admitted my own mortality there! But what I want to get at is the fact that the needs...
by Ed Hinerman | Feb 12, 2011 | AIG, conversion, guarantee, insurance, life insurance, term insurance
I’ve always been an advocate of buying a term life insurance length, or multiple term insurance 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...
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 | Oct 14, 2010 | insurance, life insurance, no exam, senior life insurance
If you can get life insurance without taking an exam, called simplified issue insurance, without donating blood and urine and blocking out 20-30 minutes of your time, why would anyone buy a traditional term life insurance policy that requires an exam? Seems like a...
by Ed Hinerman | May 13, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
In a post not too long ago I talked about a case that I had shopped. My email to the various underwriters noted “39 year old male, 5’10, 148, non smoker. Diagnosed type 1 diabetes 2005. Compliant on testing, followup, and treatment. A1c has always been...
by Ed Hinerman | Feb 24, 2010 | AARP, insurance, life insurance, private pilots
Aircraft Owners and Pilots Association (AOPA) has held themselves out as the private pilot’s friend for a long time, the advocate, the go to organization, the one stop shop for all of your needs. For all I know they may in fact be the shining star they claim to...
by Ed Hinerman | Feb 3, 2010 | insurance, life insurance, mortality risk
Understand that there isn’t anything I like about investor owned life insurance. Now matter how you sugar coat it someone or some institution with a profit margin has a vested interest, not in my life but in my death. That’s just creepy. My nephew came to...
by Ed Hinerman | Jan 20, 2010 | family history, insurance, life insurance
I just spoke with a prospective client who applied for a term life insurance policy through a friend of a friend….He had been to my site before but had decided to give this agent a try. His only issue is that a parent died from cancer at age 59. With the...
by Ed Hinerman | Jan 18, 2010 | life insurance, term insurance
Term life insurance offers a guaranteed level death benefit and a guaranteed level premium for certain period of years, the term. Is there a chance you could outlive that term and spend the money it took to keep your policy in force without the policy paying out a...
by Ed Hinerman | Jan 14, 2010 | insurance, life insurance
My office has a large parking lot and we’re next door to the largest church in town. They’ve been wonderful neighbors and have had permission for as long as we’ve been here to use our parking lot for overflow. Unfortunately the most common reason for...
by Ed Hinerman | Jan 7, 2010 | insurance, life insurance, New York Life
I want to confess right up front that the title to this post is plagiarized from a New York Life article where they do their best to make the case that bells and whistles and an agent in your home are worth the higher cost for their product. I’ve only been to...
by Ed Hinerman | Jan 5, 2010 | insurance, life insurance
I wrote a post sometime back about an experience that a now client of mine had with Selectquote. In a nutshell they gave him a quote and then after he had taken his exam they changed the quote, not based on the exam but on information they already had. They then told...
by Ed Hinerman | Sep 10, 2009 | bait and switch, insurance, life insurance
I called a client of mine the other day because not too long after I had done an annual review of his term life insurance coverage I received a notice that he had applied with another company and was considering replacing the policy he had through me. Now I really...
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 13, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
I written several times about a major term life insurance company that took the unprecedented step of saying they would allow, in the absence of other risk factors, their preferred plus rate class for some people over 60 with type 2 diabetes. Their only other...
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