by Ed Hinerman | Oct 17, 2007 | insurance, life insurance
Your family is able to keep their home. A stay at home mom can stay at home. A working dad can become a stay at home dad. Lifestyle doesn’t have to change. Children can be assured of the money it takes to go to college. A stay at home mom can get an education to...
by Ed Hinerman | Oct 17, 2007 | Biggest Loser, Fat March, insurance, life insurance, obesity, term insurance
In previous blogs I covered the ABC weight loss reality show Fat March. The mode of operation was to walk 580 miles from Boston to DC. The weight loss was dramatic, but I mentioned in more than one post that it seemed that the single focus exercise and the brutal...
by Ed Hinerman | Oct 16, 2007 | Anxiety, cancer, Depression, diabetes, DUI, heart attack, Independent agent, private pilots, prostate cancer, Sleep apnea
The Rock!! I bring Pru up every once in a while simply because they seem to be a company that is out to make a difference in the life insurance business. Other companies are competitive, and Prudential isn’t the answer to every life insurance question, but they...
by Ed Hinerman | Oct 16, 2007 | high blood pressure, hypertension, insurance, life insurance
A collosal coincidence! It turns out that about one third of all Americans, 65 million, have hypertension, defined as blood pressure of 140/90 or higher. We’ve discussed a number of times how high blood pressure can effect your life insurance rates and the...
by Ed Hinerman | Oct 16, 2007 | insurance, life insurance, term insurance
The truth is that most of us, if someone else was paying the bill, would carry more life insurance than we do. When I work with people to come up with a life insurance plan I always insist that they consider budget and do as much as they can within a budget they can...
by Ed Hinerman | Oct 16, 2007 | arrythmia, high blood pressure, insurance, life insurance, obesity
I’m not going to hang myself out there by saying that only overweight people have sleep apnea, but there is plenty of evidence to uphold the idea that most cases of obstructive sleep apnea are caused by excess weight or obesity. While central sleep apnea is...
by Ed Hinerman | Oct 16, 2007 | diabetes, high blood pressure, insurance, life insurance, Sleep apnea
There may be more than one reason to be upbeat about sleep apnea from a life insurance standpoint. As I’ve mentioned in previous posts, there are offers coming in on life insurance for those with mild to moderate, well controlled sleep apnea that can be as good...
by Ed Hinerman | Oct 14, 2007 | diabetes, heart disease, insurance, life insurance
Here I go again! The truth is that affordable life insurance is out there for those with diabetes, but the life insurance underwriter mantra, “monitoring, compliance and control”. Oops, that’s just 3. I just read an article on 7 steps for good...
by Ed Hinerman | Oct 14, 2007 | estate taxes, insurance, life insurance
Writing a check for your life insurance premium may not be up there with getting a hot stick poked in your eye, but it certainly isn’t as soothing as writing a check for a Carribean vacation either. So, if I asked you this. Do you like writing checks to the IRS?...
by Ed Hinerman | Oct 14, 2007 | cholesterol, high blood pressure, insurance, life insurance, stroke
A TIA (Transient ischemic attack), or mini stroke, is generally a disurbing, but not life threatening or even lifestyle threatening event. It generally incurs a night at the hospital and a recommendation for followup testing and possible treatment. In most cases there...
by Ed Hinerman | Oct 12, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance
One of the downsides to the cost of business buy/sell or cross purchase plans is that the cost of the life insurance premium is not income tax deductible. All of us in business know that we really would like air to be deductible if it could be arranged. Let me qualify...
by Ed Hinerman | Oct 12, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, whole life
There are life insurance agents and there are people who also sell life insurance. What does that small difference mean to you? I talk with my Farmers agent every so often about my auto or homeowners and he inevitably asks how business is going. It really leaves him...
by Ed Hinerman | Oct 12, 2007 | insurance, life insurance, private pilots
About two-thirds of all private pilots belong to the AOPA, Aircraft Owners and Pilots Association. The AOPA is a self proclaimed advocacy group for pilots. One of the things they have pushed for years is life insurance through AOPA, underwritten by Minnesota Life. I...
by Ed Hinerman | Oct 11, 2007 | Anxiety, Attention Deficit Disorder, Depression, Independent agent, insurance, life insurance
If asked what the drug of the 90’s was, my guess is that most answers would sway to the wrong side of the alley and go with crack or methamphetamines. Being the cleancut, right side of the alley kind of guy, my vote went to Prozac. I was researching the...
by Ed Hinerman | Oct 11, 2007 | diabetes, high blood pressure, hypertension, insurance, life insurance, obesity, Type 2 diabetes
I have often discussed type 2 diabetes and the complication of developing high blood pressure along with it. The two, from a life insurance underwriting standpoint, are not a good mix. Now comes a very extensive study that shows a distinct link between women who have...
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