by Ed Hinerman | Dec 8, 2017 | insurable interest, life insurance, second to die insurance
The perfect life insurance product for dealing with estate tax obligations has always been the second to die or survivor-ship policy. Since the obligation to pay those taxes was transferred through an exemption to the surviving spouse, while there might have been a...
by Ed Hinerman | Jul 23, 2016 | appropriate life insurance recommendation, assumptions, guarantee, illustration, indexed universal life, insurance, life insurance, second to die insurance
I get email advertising all the time from life insurance companies wanting to catch me in a weak moment and get me to jump on board with some breed of indexed universal life. Any breed really. Whether it is simple life insurance, or a bolder approach to wealth...
by Ed Hinerman | Jul 22, 2015 | application process, approval, budget, children's life insurance, financial adviser, guaranteed level premium, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval, second to die insurance
If all agents and all companies were created equal, well, you might as well get rid of all the agents and created “The Insurance Company”, completely computerized and ready to mistreat everyone on an equal basis. But alas we live in the real world and...
by Ed Hinerman | Oct 30, 2012 | breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life
There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an eye opener right now. I’ve tried to note each change or...
by Ed Hinerman | Jun 9, 2010 | estate taxes, insurance, life insurance
As discussed in numerous posts, the estate tax law as we’ve known it for some time and especially for the last 9 years, through inaction by Congress, got repealed. Not unlike the old native American movie line, “It’s a good day to die”, with no...
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