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term length

When To Evaluate Your Life Insurance!

By Ed Hinerman on June 8, 2010

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 now as it did when you put it ...read more

Posted in conversion, insurance, life insurance | Tagged annual review, guarantee, in force illustration, insurance, life insurance, non guaranteed, term insurance, term length, universal life, variable universal life, whole life

Out With The Old, In With The New!

By Ed Hinerman on February 5, 2010

There is a tendency for people to just hold on to life insurance once it is in force, even when opportunities to improve on the rate or the term length come up. Most often this happens when their isn’t a servicing agent around to find the better deals and encourage the change. This week I’ve ...read more

Posted in insurance, life insurance, private pilots, Sleep apnea | Tagged best rate class, family history, heart attack, insurance, life insurance, private pilots, reapply, Sleep apnea, stroke, term insurance, term length, universal life, VFR

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“I just wanted to say thank you. It is like finding an oasis in the desert to find life insurance people who treat me as a person with a name rather than as a liability with a risk analysis. It makes the whole process so much more pleasant. I’m glad I stumbled on your website and skipped all the the headache I could have had looking for ’bipolar life insurance’.”
Martha E. in Washington


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