by Ed Hinerman | Dec 31, 2010 | life insurance
Winter kill, a term used to describe those wild animals that don’t survive an overly harsh winter, or are old and/or weak from disease and succumb to the normal hardship of winter, holds a grip on my life also. About this time of the year, every year, I really...
by Ed Hinerman | Dec 31, 2010 | Anxiety, Depression, insurance, life insurance
I won’t go so far as to say that you have to have a life insurance agent with a mood disorder, but when it comes to successful underwriting of anxiety or depression life insurance applications need to be handled correctly. An agent’s understanding of the...
by Ed Hinerman | Dec 30, 2010 | insurance, life insurance
You have to understand that life insurance agents don’t get paid unless they deliver an approved policy and the policy is paid and put into force. So the lies (incorrect answers) that clients in answer to life insurance application questions generally impact us...
by Ed Hinerman | Dec 29, 2010 | bipolar, bipolar disorder, bypass surgery, heart disease, insurance, life insurance
The term high risk gets thrown around in the life insurance world probably way more than it should. The truth is that with the exception of truly high risk companies like Lloyds of London, life insurance companies would “prefer not to participate” in a...
by Ed Hinerman | Dec 29, 2010 | insurance, life insurance, pilot, private pilots
So, just what company offers the best rates if you need private pilot life insurance? How about student pilot life insurance? Or flight instructor life insurance? Airline pilots? Those answers depend on certain criteria which I’ll cover in a minute, but keep in...
by Ed Hinerman | Dec 28, 2010 | insurance, life insurance, obesity, Prudential
Now that the results are in and we’ve quietly sneaked on and quickly back off of the scales, let’s talk about what that number means in the world of life insurance. Whether it’s just extra pounds or obesity life insurance is available and at...
by Ed Hinerman | Dec 27, 2010 | Dave Ramsey, insurance, life insurance, smoking
I got in a bit of a tiff with Zander Insurance Group about a year and a half ago over, at that time, their not showing the best preferred smoker rates when their clients were getting on line quotes. Being a long time Dave Ramsey fan and moderator for his Financial...
by Ed Hinerman | Dec 23, 2010 | guarantee, insurance, life insurance
In the last six or seven years NY life insurance has managed to lift itself out of the dark ages, and while still not as robust and open as the other 49 states, progress is still progress. I remember back when I first got licensed in all the states it didn’t...
by Ed Hinerman | Dec 22, 2010 | gastric bypass, life insurance, obesity
Obesity! Obesity! OBESITY! That’s kind of the way our country has been going over the past 20-30 years. I remember growing up in Wyoming and, as rude as I may have been, really staring at morbidly obese people. They were just that rare. I get asked fairly often...
by Ed Hinerman | Dec 22, 2010 | insurance, life insurance
It absolutely boggles my mind that there are people who can handily afford life insurance but either just don’t buy into the fact that some people die unexpectedly or that their family would be in a hurt without their income. Using my own situation as an...
by Ed Hinerman | Dec 21, 2010 | cancer, life insurance, smoking
I was reading an article on MSN Health yesterday about how to talk to your doctor. It struck me that the same things would hold true for how to talk to a life insurance (or health insurance) agent. It also reminded me of previous posts where I’ve talked about...
by Ed Hinerman | Dec 21, 2010 | cpap, insurance, life insurance, Sleep apnea
Plenty of people have experienced the nightmare of applying for life insurance after having been diagnosed with sleep apnea. Many companies treat you as if you really are going to quit breathing and not start again. I can argue both sides of this issue, but suffice it...
by Ed Hinerman | Dec 20, 2010 | Independent agent, insurance, life insurance
I started in this business back in 1978 in Wyoming. My “area” was south central Wyoming, home to maybe 40,000 people and 200,000 antelope. I was licensed in Wyoming to do business for Mutual of Omaha and United of Omaha. I don’t really look back at...
by Ed Hinerman | Dec 17, 2010 | American Diabetes Association, diabetes, insurance, life insurance
I have tried for years to get the American Diabetes Association to allow me to help them rewrite their “Life Insurance Information” page on their website. I will put this as bluntly as it needs to be. The ADA doesn’t have a clue about what it takes...
by Ed Hinerman | Dec 16, 2010 | AARP, guarantee, insurance, life insurance
Occasionally I review old posts to update or delete them and sometimes I run across one that I can remember writing. I feel my anxiety disorder getting pumped up. I feel my blood pressure rise and, well, I repost it. From 2008!! With each new magazine or bulletin, my...
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