by Ed Hinerman | Apr 6, 2011 | final expense life insurance, insurance, life insurance, second to die insurance
A client of mine called today in response to a blog post I had written about the current state of estate preservation life insurance and exemption laws. After reviewing his situation I concurred with his estate attorney that he should look at acquiring a 2nd to die...
by Ed Hinerman | Oct 11, 2010 | conversion, insurance, life insurance, term insurance
I had this comment on a post the other day from Richard. “Just got off the phone with Lincoln and AM Family Insurance. No conversions on universal life policies. Ours are 15-19 years old, while there is no termination fees, if we cashed, they advise we to treat...
by Ed Hinerman | Jun 8, 2010 | conversion, insurance, life insurance
It’s become all too apparent over the years that most clients buy life insurance, whether term insurance or permanent, put it in the cabinet and because they never hear from their agent again, there is never an evaluation to make sure it meets your needs as well...
by Ed Hinerman | Jan 27, 2010 | conversion, insurance, life insurance
I just completed a conversion of a term insurance policy for a client who truly didn’t have any other options. Having shopped the world, due to a particularly aggressive prostate cancer, we weren’t able to wrote a new policy for him. His term insurance was...
by Ed Hinerman | Apr 28, 2009 | guarantee, ING Reliastar, insurance, life insurance, universal life, variable universal life, whole life
Till I’m blue in the face!!! Does the word guarantee mean anything to anyone? It seems like perfectly sensible people’s eyes fog over as soon as someone flashes totally non guaranteed, unsubstantiated, unproven life insurance projections in front of them....
by Ed Hinerman | Mar 27, 2009 | death benefit, guarantee, illustration, insurance, life insurance, policy, term insurance, universal life, variable universal life, whole life
There are times when it’s obvious that life insurance agents just really don’t believe that service is important and then there are times when the avoid service or drag their feet on a task as a way avoid talking about what’s really going on with...
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...
by Ed Hinerman | Jan 31, 2009 | AIG, death benefit, guarantee, Independent agent, insurance, life insurance, mortality, term insurance, universal life, variable universal life, whole life
Anyone who has health insurance has already, or will soon find out the frustration of having insurance that doesn’t have all of it’s features guaranteed. At any point the dreaded letter can come and your copay can change, your premium can change or your...
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