by Ed Hinerman | Dec 23, 2010 | guarantee, insurance, life insurance
In the last six or seven years NY life insurance has managed to lift itself out of the dark ages, and while still not as robust and open as the other 49 states, progress is still progress. I remember back when I first got licensed in all the states it didn’t...
by Ed Hinerman | Sep 27, 2010 | insurance, life insurance, term insurance
I’ve written often and am a big advocate of owning more than one life insurance policy, staggering or layering term policies. The reason is simple. Unless you are the complete odd duck in the pond, your life insurance needs are not all the same length and not...
by Ed Hinerman | Feb 8, 2010 | insurance, life insurance, term insurance
Wouldn’t it be great if everything always went as planned? You determine how much life insurance you want. You figure out how long you need it for and you set a budget based on what you believe it will cost. Check, check and check! But what do you do when things...
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 | 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...
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