by Ed Hinerman | Apr 1, 2009 | insurance, life insurance, universal life, variable universal life
So the question really comes down to this. Is a family going to realize a better benefit in their family trust through the purchase of a guaranteed life insurance policy, or through the purchase of land in Mississippi using the same amount of money. I have been...
by Ed Hinerman | Mar 29, 2009 | estate taxes, final expense life insurance, insurance, life insurance, second to die insurance, term insurance, universal life, variable universal life, whole life
I’ve been accused of recommending term life for every need and while I maintain that 95% of all needs for the average person are well served by term, there are valid reasons to consider permanent insurance in your portfolio. Before any jumps on that statement...
by Ed Hinerman | Mar 27, 2009 | death benefit, guarantee, illustration, insurance, life insurance, policy, term insurance, universal life, variable universal life, whole life
There are times when it’s obvious that life insurance agents just really don’t believe that service is important and then there are times when the avoid service or drag their feet on a task as a way avoid talking about what’s really going on with...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Feb 3, 2009 | insurance, life insurance, term insurance, universal life, variable universal life, whole life
We’ve discussed a lot of different aspects of how the current recession and economic meltdown can impact life insurance. There’s more to talk about that will be coming soon Certainly any non guaranteed product will see rate increases. That’s no...
by Ed Hinerman | Jan 31, 2009 | AIG, death benefit, guarantee, Independent agent, insurance, life insurance, mortality, term insurance, universal life, variable universal life, whole life
Anyone who has health insurance has already, or will soon find out the frustration of having insurance that doesn’t have all of it’s features guaranteed. At any point the dreaded letter can come and your copay can change, your premium can change or your...
by Ed Hinerman | Jan 20, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, variable universal life, whole life
I would like nothing more than to be blogging today to humbly admit that I had cried wolf and that all of my screaming about non guaranteed life insurance teetering on the precipice was wrong, but…….. I spoke with a client looking for term insurance about...
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