by Ed Hinerman | Jan 29, 2009 | buy/sell life insurance, insurance, life insurance
I wrote some time back about the problems that can potentially occur when a person has life insurance with someone who is not related as the beneficiary. The potential problem only exists during the two year incontestability period when part of the claim process...
by Ed Hinerman | Jul 2, 2008 | business life insurance, buy/sell life insurance, insurance, life insurance
For those of us who own and operate small businesses, we pour all we have into feeding our family, paying our employees and hopefully leaving something of value behind to our heirs. For many that entrepreneurial drive is cut short by a premature death and without...
by Ed Hinerman | Feb 14, 2008 | business life insurance, buy/sell life insurance, insurance, key man insurance, life insurance
Small businesses, the backbone of American employment, often run by the slimmest of margins. I’m not talking about profit margins. I’m referring to the owner or one of the owners being just a heart attack away from leaving their family with the business or...
by Ed Hinerman | Oct 12, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance
One of the downsides to the cost of business buy/sell or cross purchase plans is that the cost of the life insurance premium is not income tax deductible. All of us in business know that we really would like air to be deductible if it could be arranged. Let me qualify...
by Ed Hinerman | Sep 3, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance
Whether as an executive or CEO of a large business, or as owner of one of the small businesses that are the backbone of this country, women are increasingly in charge of companies and increasingly needing to consider life insurance as a way to protect that for their...
by Ed Hinerman | Jul 18, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance, universal life, whole life
Probably the most often asked question in life insurance. What is the difference between term and whole life? I will deal with whole life and universal life at another time, but let’s talk about term and what it’s really made to do. Term life insurance...
by Ed Hinerman | Jun 14, 2007 | business life insurance, buy/sell life insurance, Independent agent, insurance, life insurance
Most small businesses, which provide the majority of employment, kind of fly by the seat of their pants when it comes to the area of life insurance and a business continuation plan. Just some food for thought. In the US today, you are more likely than not to either...
by Ed Hinerman | May 3, 2007 | breast cancer, business life insurance, buy/sell life insurance, cancer, children's life insurance, guaranteed issue life insurance, heart attack, insurance, Juvenile life insurance, life insurance, melanoma, Type 2 diabetes
How often do we hear it? A friend or family member has had a heart attack or been diagnosed with cancer at an age that is just, well….wrong! We expect health problems and death when someone gets into their 80’s. It’s not nearly so common in their...
by Ed Hinerman | Mar 27, 2007 | business life insurance, buy/sell life insurance, Independent agent, insurance, insurance quotes, life insurance, term insurance
In the excitement of starting a new business all the focus is generally onward and upward and the tendency is to kind of overlook the downside to success. This is more prevalent in partnerships, but is also a real problem for sole proprietors and corporations....
by Ed Hinerman | Feb 25, 2007 | business life insurance, buy/sell life insurance, final expense life insurance, Independent agent, insurance, insurance quotes, key man insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
My mother never told me running a small business was easy. In fact it went something more like, “wouldn’t you be better off getting a real job?” Whether you are in business for yourself, or work for someone, your future can be in jeopardy if you, or...
by Ed Hinerman | Feb 15, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance
Needless to say, these kinds of events can definitely present you with some challenges. Partnerships are tricky enough. Without the right business life insurance or buy/sell life insurance policy in place, the partnership can remain tricky long after the deceased...
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