by Ed Hinerman | Jan 25, 2010 | insurance, life insurance, whole life
A client of mine asked me an interesting question over the weekend about the status of whole life insurance cash value as an asset. His question was whether it was protected from lawsuit judgments? This question came because he had been approached by an agency that...
by Ed Hinerman | Jan 7, 2010 | AARP, insurance, life insurance
January 7 and I have already received several emails and a mailing from AARP basically asking me if I have somehow missed the last 200 attempts to get me to buy life insurance from them. I see the way my Mom trusts AARP, not a view shared by my Dad when he was still...
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 | Jul 30, 2009 | insurance, life insurance, universal life, variable universal life, whole life
In preparing to help write an article about the catastrophic meltdown of traditional universal life insurance policies I was seeking some industry assistance in nailing down approximately what percentage of the total number of UL’s were in danger of imploding....
by Ed Hinerman | Jul 23, 2009 | estate taxes, insurance, life insurance, universal life
Estate preservation, as I’ve stated in several posts since the first of the year, is becoming more unstable due to a couple of factors. First, Congress has not shown their cards yet on how they expect to handle the estate tax exemption issue in 2010 and second,...
by Ed Hinerman | Jul 19, 2009 | estate taxes, insurance, life insurance, second to die insurance
If not, give this some thought! Estate taxes come due nine months after the death of the sole surviving spouse or individual whose net worth comprises the estate. While nine months may seem like a long enough time to wrap up an estate and gather the money to pay the...
by Ed Hinerman | Jul 16, 2009 | estate taxes, insurance, life insurance
Since the inception of 2nd to die or survivorship life insurance policies to protect estates from being pillaged by estate taxes, most of the policies were written as traditional universal life or whole life insurance. Cash value policies. When the cashless universal...
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 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 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...
by Ed Hinerman | Jun 23, 2009 | final expense life insurance, insurance, life insurance, universal life, whole life
Some have noted that I’m more than just a little opinionated when organizations and companies try to sell overpriced, under guaranteed term insurance or whole life policies as final expense policies. First let’s kind of define the final expense need so...
by Ed Hinerman | Jun 2, 2009 | diabetes, insurance, life insurance, term insurance
No, no. I don’t really think I’m special. Family nickname and joke. “Ed’s done so well they named an entire school curriculum after him.” Ha Ha! Today I want to reflect on this, my 1000th post, and the journey and events of the last 2 1/2...
by Ed Hinerman | Jun 1, 2009 | insurance, life insurance, term insurance, West Coast Life
As we have reported early, often, loud and accurately, term insurance rates as we’ve grown to know and love them, lower each year, are turning rapidly the other way. West Coast Life insurance announced today that they will increase their term insurance rates...
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