by Ed Hinerman | Mar 9, 2010 | insurance, life insurance, whole life
Yesterday I offered a post about term insurance versus whole life. There was on piece of the puzzle I left out, a particularly disturbing one since, first and foremost a life insurance agent should be all about making sure there is enough death benefit to take care of...
by Ed Hinerman | Mar 3, 2010 | insurance, life insurance, term insurance
A year and a half ago when everyone’s 401k’s had suddenly turned into 201k’s I threw out the suggestion that people buy 10 year term insurance as a way to kind of fill the bucket back up until things recovered. Now true, it wasn’t an idea to...
by Ed Hinerman | Aug 20, 2009 | AARP, insurance, life insurance
I know it seems like about half of my adult life has been spent shooting arrows at AARP for their mistreatment of their constituency with their pet program, AARP’s Life Insurance underwritten through New York Life. You would think this organization would have...
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 | Jul 24, 2009 | insurance, life insurance
Spending too much and not enough income to back it up. Reminds me of me before I cut up my credit cards (thank you Dave Ramsey) President Obama and Congress seem to be on a mission to uncover new sources of taxation to support everything from an overzealous financial...
by Ed Hinerman | Jun 16, 2009 | insurance, life insurance, women
Moving on with this series of posts on all the variations on the need that women have for life insurance, whether by choice or not we have ever growing numbers of single moms. Of all the different scenarios that women face when it comes to life insurance, perhaps that...
by Ed Hinerman | Jun 4, 2009 | insurance, life insurance
How often have I been asked if there is a formula for determining how much life insurance a person should carry? Plenty of formulas out there from the simple, 10x annual income to the ridiculously complex, but what really answers the question? Needs analysis spans...
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 | Dave Ramsey, insurance, life insurance, smoking
I’ve never been seen smoking and I suspect that Dave Ramsey isn’t real big on the habit either, but after spending the last year and a half immersed in Dave Ramsey through his Financial Peace University, I am convinced that Dave Ramsey wouldn’t want...
by Ed Hinerman | May 28, 2009 | Dave Ramsey, insurance, life insurance
I will tread carefully with this since the last time I questioned Zander Insurance, well, frankly I kind of over stepped my point and pounded on them a bit. I publicly apologized and we all walked away feeling OK and deciding that while we both believe Dave Ramsey is...
by Ed Hinerman | Apr 29, 2009 | foreign travel, insurance, life insurance
When the view out the office window looks like this sometimes it feels like we are protected by those 14,000 foot peaks from the real world. Thanks to fiber optics and the internet we can sit here and do life insurance business with those out in the “real...
by Ed Hinerman | Apr 29, 2009 | Dave Ramsey, insurance, life insurance, prayer
There are days that stand out for me in life. My marriage. The day I gave my heart to Jesus. Each day that I have been able to deliver a death benefit check to a family of a client. There are people who touch me and make a difference. Today I had an opportunity to...
by Ed Hinerman | Apr 20, 2009 | Dave Ramsey, insurance, life partner, term insurance, universal life, whole life
I’ve shared my opinion plenty of times, the fact that I believe that 95% or more of life insurance needs for the average people out there are term insurance needs. There is no reason to be buying whole life, universal life or variable universal life. Dave Ramsey...
by Ed Hinerman | Apr 18, 2009 | Dave Ramsey, insurance, life insurance, Prudential, term insurance
There are several options available for paying your life insurance premium. To see it advertised you would think that the only options are monthly. Of course the reason for advertising monthly rates is well known. Giving a potential customer sticker shock by making...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
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