Browse: Home / Life Insurance
By Ed Hinerman on May 18, 2012
Let me start this post for apologizing for my industry.Prior to the money gorging days of high interest universal life insurance policies in the 80′s this was a very honorable profession. Now, especially for the individual agents it is a fight for their careers. That there are probably as many inaccurate life insurance quotes given ...read more
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By Ed Hinerman on May 7, 2012
I was talking with an elderly friend of mine (two years older than me) in Denver the other day about the state of products that are offered for life insurance over age 50 and senior or final expense life insurance. Coincidentally I had received about my 400th reminder from AARP that I have not yet ...read more
Posted in AARP, final expense life insurance, insurance, Life Insurance, life insurance agent, over 50 life insurance, senior life insurance, term life insurance, whole life insurance | Tagged 5 year term, AARP, AARP is ripping off customers, AARP Life insurance program, AARP preying on, AARP/New York Life, denver, elderly, final expense life insurance, guaranteed level premium, insurance, life insurance, life insurance over age 50, not guaranteed, senior life insurance, whole life, without an exam |
By Ed Hinerman on May 5, 2012
Colorado! We’re blessed to live here and I think that we should take pride in being one of the healthiest places to live in the US. So many things to do in our beautiful outdoors and air that is fresh as it gets if you believe Mike Nelson (claims about half the time that it ...read more
Posted in Breast Cancer Life Insurance, cancer, Colorado, Colorado life insurance, insurance, Life Insurance, life insurance agent, Prostate Cancer Life Insurance | Tagged 9 Health Fair, breast cancer, cancer, cholesterol is high, Colorado life insurance, family history of breast cancer, healthiest places to live, high glucose, independent life insurance, insurance, life insurance, life insurance labs, liver functions are suffering, Mike Nelson, prostate cancer, PSA, regularly go to the doctor |
By Ed Hinerman on April 12, 2012
Those of us in Colorado aren’t living in a life insurance vacuum. Just like buying US products whenever it makes sense being good for our country, as long as you can get as good or better deal on life insurance right here in Colorado with all of the same convenience of, say, Selectquote on the ...read more
Posted in Colorado, Colorado life insurance, insurance, Life Insurance, life insurance agent | Tagged better deal on life insurance, CEO's, colorado, Colorado economy, Colorado life insurance, denver, fast personal service, huge can get a better price, insurance, lack of intrusion, life insurance, no financial advantage out of state, physicians, salida, Selectquote, time save for you, Zander Insurance |
By Ed Hinerman on April 3, 2012
I’ve shared before that I carry more life insurance than a needs analysis might show. Yes, I’m a life insurance agent, but I assure you that no, it’s not because I get some great deal. Getting commission on part of the first year premium of a life insurance policy is hardly incentive to buy something ...read more
Posted in Colorado, insurance, Life Insurance, life insurance agent, life insurance needs analysis | Tagged budget has to be part of decision, buy more insurance than need, Christian, colorado, Colorado wilderness, emoitional side of life insurance, income for life, income replacement, insurance, Leave No Trace, life insurance, life insurance agent, life insurance for charitable giving, life insurance for inheritance, life insurance for legacy, life insurance to pay estate taxes, medical missions, pay off rental property, pay off the house, something is always better than nothing |
By Ed Hinerman on March 29, 2012
I love it when we can make progress with an existing life insurance client and come through with a lower rate which gives them options, 1. Pay less for what they have, 2. Get more insurance for the same price or 3. Extend to a longer term length within the same budget. Not unlike speeding ...read more
Posted in Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, Life Insurance, over 50 life insurance, term life insurance | Tagged age wasn't his friend, at least covered, drug treatment, existing life insurance client, extend term with same budget, get more for the same price, insurance, life insurance, life insurance approval, life insurance client, life insurance over 50, Lipitor, medical professional, money hungry agent, optimal amount and term, optimal price, pay less for what you have, prescription drug abuse, puit what you can afford in force, random drug test, second opinion, shopping with something in force |
By Ed Hinerman on March 27, 2012
When I left off last week I had jumped into this topic intent on pragmatically stating my case and getting on down the road. After reading that post over again, which at the end I decided to call part one, it appears I may have on landed a few glancing blows on the actual question ...read more
Posted in cash value, Colorado, indexed universal life insurance, insurance, Life Insurance, life insurance agent, term life insurance, universal life insurance, variable universal life insurance, whole life insurance | Tagged best value for permanent insurance, cash value, colorado, indexed universal life insurance, insurance, life insurance, no lapse guaranteed universal life insruance, permanent life insurance needs, term life insurance, term life insurance needs, term versus whole life, universal life insurance, variable universal life insurance, whole life insurance |
By Ed Hinerman on March 23, 2012
It would be the age old insurance question if term insurance as we know it today had been around as long as whole life, but whole life is truly the grand daddy of life insurance products. I suppose there is an argument to be made that whole life insurance is not just the oldest, but ...read more
Posted in cash value, insurance, Life Insurance, life insurance agent, term life insurance, whole life insurance | Tagged Boulder, buying life insurance because you need life insurance, cash reserve to guarantee, cash value, currently paying, denver, Google, high powered whole life agents, illustrate guaranteed values, insurance, life insurance, PUA rider, term life insurance, term versus whole life insurance, whole life four letter word, whole life insurance |
By Ed Hinerman on March 20, 2012
I remember growing up, I think in the 3rd or 4th grade, I had a friend with epilepsy. Back then, in the late 50′s, seizures, seizures disorders and epilepsy were things that weren’t talked about ahead of time. I guess I don’t know if schools or for that matter kids, treat it any differently today. ...read more
Posted in epilepsy, Epilepsy Life Insurance, Impaired Risk Life Insurance, insurance, Life Insurance, life insurance agent, seizure disorder life insurance | Tagged 99% of companies decline, age of diagnosis, colorado, compliance with treatment, Depakote, epilepsy, epilepsy life insurance, frequency of seizures, front range, good control, how to get life insurance, impaired risk issues, insurance, life insurance, seiizure disorder life insurance, seizure disorders, type of seizures |
By Ed Hinerman on March 16, 2012
While I’ve been in Colorado for a very long time now, I grew up in Wyoming and I can remember just how much drinking was a part of the culture and my own family. Back then when we went to the mountains there were at least a couple of coolers designated to carry the Coors. ...read more
Posted in alcohol abuse, alcohol treatment, Colorado, drug abuse, insurance, Life Insurance, Prescription drug abuse | Tagged AA, alcohol abuse, alcohol treatment, Colorado Springs, court ordered treatment, dentists, denver, drug abuse, drug treatment, DUI, insurance, life insurance, multiple DUI;s, NA, physicians, prescription drug abuse, prescription painkiller abuse, random tests, self admitted treatment, surgeons |
