by Ed Hinerman | Feb 17, 2009 | Independent agent, insurance, life insurance, mortality, mortality risk, smoking
For those that don’t smoke there is a virtual log jam of companies scrapping it out for those who qualify for the best rate classes. Not so if smoking is part of your portfolio. For those who smoke it is imperative that you use an agent that has access to all of...
by Ed Hinerman | Feb 17, 2009 | basal cell carcinoma, blood pressure, cancer, cholesterol, diabetes, DUI, insurance, life insurance, private pilots, scuba diving, skydiving, smoking
I’m often asked, after the fact, what it takes to get the best life insurance rates. While I would be hard pressed to cover everything that could be hiding in your medical records, I can provide a general rundown based on the exam, labs, family and personal...
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