by Ed Hinerman | Mar 31, 2007 | Independent agent, insurance, insurance quotes, life insurance, Type 2 diabetes
With the Center for Disease Control stating that type 2 diabetes has reached epidemic proportions in the United States, life insurance companies are faced with the challenge of how to underwrite the disease so that it is properly assessed in the context to the risk...
by Ed Hinerman | Mar 31, 2007 | coronary artery disease (CAD), heart attack, Independent agent, insurance, life insurance
With the news out this week that a recent study shows little or no added health benefit for a heart patient that has a stent put into a vein, stand by to see how life insurance underwriting will react. Quoting an Associated Press article by Mark Jewell,...
by Ed Hinerman | Mar 30, 2007 | breast cancer, cancer, coronary artery disease (CAD), Independent agent, insurance, life insurance
I will simply start with my standard off the shelf advice. If you talk to a life insurance agent, mention you had breast cancer, and they immediately tell you that you are uninsurable, they are either stupid or lazy, or both. Go find an independent agent that...
by Ed Hinerman | Mar 29, 2007 | coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Four tips for type 1 and type 2 diabetics who are looking for life insurance and don’t want to pay through the nose for it. 1. Learn about your diabetes. Be able to explain to an independent agent when it was diagnosed, exactly what your treatment is, and if...
by Ed Hinerman | Mar 28, 2007 | breast cancer, cancer, insurance, insurance quotes, life insurance, prostate cancer, PSA
As treatment for all types of cancer have improved, life insurance underwriters have been forced to re-evaluate their guidelines for different types of treatment and how the mortality experience has actually changed. One good example is with prostate cancer. While the...
by Ed Hinerman | Mar 28, 2007 | children's life insurance, guaranteed issue life insurance, Independent agent, insurance, insurance quotes, life insurance, private pilots, term insurance, universal life, whole life
Advocacy is defined in the dictionary as co-supporting or promoting the interests of another. There are several advocacy groups that promote life insurance to their members or to the group of people that they would suggest they are advocates on behalf of. I have a...
by Ed Hinerman | Mar 28, 2007 | Independent agent, insurance, life insurance, long term care, term insurance
After reading a New York Times article about long term care insurance today I was both disgusted and encouraged with the information I found. The Charles Duhigg article talks about all the senior citizens who pay in enormous amounts of money to insure their long term...
by Ed Hinerman | Mar 27, 2007 | business life insurance, buy/sell life insurance, Independent agent, insurance, insurance quotes, life insurance, term insurance
In the excitement of starting a new business all the focus is generally onward and upward and the tendency is to kind of overlook the downside to success. This is more prevalent in partnerships, but is also a real problem for sole proprietors and corporations....
by Ed Hinerman | Mar 25, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 2 diabetes
It used to be that in order to secure the best life insurance quotes a person needed to be nearly Superman, or slightly better if possible. There was certainly a day not all that long ago when treatment for hypertension or high cholesterol would have bumped you from...
by Ed Hinerman | Mar 24, 2007 | cancer, heart attack, Independent agent, insurance, life insurance
A frequently asked question about life insurance is “how long before the policy becomes effective?” The supposed “waiting period” has evolved from a misunderstanding from two different directions.Along with the waiting period question is also a...
by Ed Hinerman | Mar 22, 2007 | cancer, guaranteed issue life insurance, Independent agent, insurance, life insurance, term insurance, whole life
Just finishing up today and getting ready to drive to where my parents live. My father has bladder cancer and is meeting with the oncologist tomorrow to discuss what steps might be best. At his age 84, he of course has long since quit worrying about life insurance and...
by Ed Hinerman | Mar 22, 2007 | cancer, coronary artery disease (CAD), heart attack, Independent agent, insurance, insurance quotes, life insurance
Coronary artery disease (CAD), heart attacks, angioplasty and bypass surgery are generally enough to make the average life insurance agent run for the hills. As they close the door or hang up the phone they will probably be sputtering something about uninsurable. Time...
by Ed Hinerman | Mar 21, 2007 | Burial insurance, final expense life insurance, guaranteed issue life insurance, Independent agent, insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
Life insurance these days has so many options available as far as products go that it has become easier and easier to hone in to just exactly the right product for your life and your needs. Along with the huge increase in options is the need to have a professional...
by Ed Hinerman | Mar 20, 2007 | breast cancer, cancer, coronary artery disease (CAD), hepatitis, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
There is certainly no lack of unjustified respect for some of the biggest names in life insurance in the country. If you’ve seen their name on television or in magazines it kind of sticks with you and you probably, like most folks, assume that big and famous,...
by Ed Hinerman | Mar 18, 2007 | Independent agent, insurance, insurance quotes, life insurance, private pilots, skydiving, term insurance
On the way up this weekend I got the chance to talk to two pilots and three professional skydivers. One of them asked me what I do and when I mentioned that I am a life insurance agent, the questions started flying. Can I get it even though I skydive? Why do pilots...
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