by Ed Hinerman | Mar 12, 2017 | indexed universal life, life insurance, life insurance non taxable, lifetime guaranteed UL, over 50 life insurance, retirement life insurance, universal life
I don’t think there is a topic I have ranted and raved about more than the universal life insurance products with non guaranteed cash value features that are collapsing left and right due to the low interest environment imposed by the Fed over the last 15 years....
by Ed Hinerman | Oct 3, 2016 | application process, guarantee, indexed universal life, insurance, life insurance, rate increase, retirement life insurance, term insurance, universal life
This is the 2015 version of the age old question, why term versus whole life? Some of the answers are the same and some are vastly different, I would say even dangerously different for those who are serious about their needs and just looking for the right product to...
by Ed Hinerman | Feb 22, 2016 | application process, buy/sell life insurance, CEO life insurance, Ex Patriot life insurance, Foreign National Life Insurance, insurance, International Business insurance, life insurance, retirement life insurance
I have a mentor/friend/business partner in life insurance of sorts in Denver who is a few years older than me (we have the 60’s covered) and we have kicked around retiring in Panama for a few years. The idea of Caribbean or Central American retirement certainly...
by Ed Hinerman | Feb 22, 2016 | CEO life insurance, death benefit, insurance, key man insurance, life insurance, over 50 life insurance, retirement life insurance
Retirement in 1975 meant a gold watch or some other trinket and a check in the mail every month. That was 40 years ago and I suspect if you look far enough you can find people that still retire like that, but the new retirement norm is a whole different scene. And...
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