by Ed Hinerman | Mar 25, 2008 | insurance, life insurance, term insurance, universal life, whole life
Life insurance shouldn’t be a luxury. Something that you can buy when times are good and can be dropped when things get tight. The need for life insurance, if anything, is more essential during bad economic times. Not that there is a good time to leave a family...
by Ed Hinerman | Mar 7, 2008 | insurance, life insurance, term insurance, whole life
I’ve heard every possible pitch as to why whole life insurance is a good idea. Did you know that we might not have Disney World if it weren’t for whole life insurance? I’ve said so many times that whole life insurance used to be the only way to have...
by Ed Hinerman | Mar 5, 2008 | Independent agent, insurance, life insurance, term insurance, whole life
I was asked by my pastor to offer my thoughts on life insurance to the people attending the Dave Ramsey Financial Peace University seminar at our church. Anyone who’s read my blogs knows that I am huge on leaving money in people’s pockets. Dave Ramsey is...
by Ed Hinerman | Feb 26, 2008 | insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
I field a high number of calls asking about whether people should buy term insurance, universal life or whole life, and in some cases they will have heard of, and ask about return of premium term insurance. Now is not the time to hold back my feelings on this, so I am...
by Ed Hinerman | Feb 9, 2008 | children's life insurance, insurance, life insurance, whole life
Well, I certainly haven’d hidden the fact that my opinion of Suze Orman’s opinion on all matters life insurance is lower than a lizard’s belly. She is product ignorant and a few bubbles off when it comes to common sense on the subject. Now comes...
by Ed Hinerman | Feb 4, 2008 | insurance, life insurance, term insurance, universal life, whole life
There are two distinctively different schools of thought on how to provide life insurance for your family. One shcool of thought would have you load your policy with cash value on the premise that the cash value can be a savings or retirement account. Whole Life. The...
by Ed Hinerman | Jan 30, 2008 | insurance, life insurance, term insurance, universal life, whole life
You guessed it. I got another trade magazine with an article suggesting that whole life is the only type of life insurance a person should buy. If you don’t buy whole life as the article suggests, you just don’t get it. I have access to whatever life...
by Ed Hinerman | Jan 28, 2008 | insurance, life insurance, term insurance, universal life, whole life
My wife and I are participating in the Dave Ramsey Financial Peace University. I have to admit that for all that I have been blessed with, great financial management skills have not been part of the package. Dave Ramsey is a no nonsense kind of guy when it comes to...
by Ed Hinerman | Dec 29, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, universal life, whole life
When I sold my first final expense (burial) life insurance policy nearly 30 years ago, it had a face amount or death benefit of $7000. It was certainly, at that time, adequate to properly bury someone and even have a little left over to host a wake. I still get 10-20...
by Ed Hinerman | Dec 18, 2007 | insurance, life insurance, universal life, whole life
My recent post about Suze Orman’s lack of life insurance knowledge struck a chord with another life insurance professional, Jack Bobo. While I disagree with the premise of his article “The Tired Tirade Continues” in National Underwriter Magazine, it...
by Ed Hinerman | Dec 6, 2007 | insurance, life insurance, universal life, whole life
It used to. It wasn’t that long ago, 30 years or so, when the only way a person could have permanent life insurance was with a whole life policy. Whole life is a cash value policy that was defined as having a level premium to age 100 with a cash value that...
by Ed Hinerman | Nov 10, 2007 | insurance, life insurance, universal life, whole life
Wouldn’t it be great as an employer if you could offer the best benefits packages available to your employees and not spend a dime……….eventually. Corporate Owned Life Insurance, COLI, and Bank Owned Life Insurance, BOLI, are life insurance...
by Ed Hinerman | Oct 30, 2007 | business life insurance, children's life insurance, guaranteed issue life insurance, insurance, life insurance, term insurance, universal life, whole life
I had an email from a potential client today that said “I am looking for reasonably priced life insurance where there are no health questions and/or physical exam. If your group can fullfill these requirements than you can contact me”. There are a lot of...
by Ed Hinerman | Oct 12, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, whole life
There are life insurance agents and there are people who also sell life insurance. What does that small difference mean to you? I talk with my Farmers agent every so often about my auto or homeowners and he inevitably asks how business is going. It really leaves him...
by Ed Hinerman | Sep 16, 2007 | Burial insurance, estate taxes, final expense life insurance, insurance, life insurance, term insurance, universal life, whole life
Term insurance or whole life? Term insurance or universal life? How should you decide just what product best fits your need for protection for your family? I’ve discussed in numerous posts how to determine the proper term length and the proper use of term...
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