by Ed Hinerman | Jul 25, 2007 | cholesterol, Independent agent, insurance, life insurance, liver functions
You know the rates I’m talking about. You see them on TV, in magazines and on the internet. Rates so low that they make even the most seasoned, die hard, disliker of life insurance consider running right out and getting some. They’ve been called Superman...
by Ed Hinerman | Jul 24, 2007 | cholesterol, insurance quotes, life insurance, term insurance
The old saying that “a bird in the hand is worth two in the bush” is really what I try to drive home about life insurance. Something is always better than nothing when it comes to your beneficiaries. Let me give you a common example. A person applies for...
by Ed Hinerman | Jul 24, 2007 | insurance, life insurance
In a post last week I brought up the new cognitive testing that a few companies are going to for elderly (post 70) life insurance applicants. This is worthy of some discussion and review. Just to refresh, with American General (AIG), if you are over 70 and apply for...
by Ed Hinerman | Jul 23, 2007 | business life insurance, final expense life insurance, insurance, life insurance, universal life, whole life
Every profession has it’s share of dirt balls that will make a buck no matter who it hurts. The truth is that most of the unscrupulous types don’t last in the life insurance business, and leave damaged customers behind trying to make sense of what...
by Ed Hinerman | Jul 23, 2007 | conditional receipt, insurance, life insurance, no exam, term insurance
When we live, eat and breath life insurance every day, even the best intentioned of life insurance agents may get caught assuming that you already know what is basic to them. The problem comes when you have a misconception of the truth and it changes the whole picture...
by Ed Hinerman | Jul 23, 2007 | cancer, insurance, life insurance
In a post on March 4 of this year, Children’s life insurance. Keep it in perspective!” I broached the sensitive subject of life insurance for your children. Most parents would rather just turn their back on the whole subject. How morbid a thought? Quite...
by Ed Hinerman | Jul 22, 2007 | biblical, insurance, life insurance
A friend asked recently if there was any biblical precedence for life insurance. His assertion was that if God takes care of his people, why carry life insurance. I would just offer this from 1 Timothy 5:8, “If anyone does not provide for his relatives, and...
by Ed Hinerman | Jul 21, 2007 | insurance, life insurance
I always laugh a little when I call a fairly new potential customer and someone else answers. When I asked to speak to the customer they will often turn and say, “it’s that insurance guy.” I can tell you that when a life insurance agent does most of...
by Ed Hinerman | Jul 21, 2007 | Alcohol Treatment Life Insurance, Depression, DUI, Independent agent, insurance, life insurance
Clients are always surprised that their alcohol use can be an underwriting issue. Whether a person has been through alcohol treatment, has had a DUI, or just consumes higher than average amounts of alcohol, they present an underwriting challenge on more than one...
by Ed Hinerman | Jul 21, 2007 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
Skin cancer is probably one of the most common forms of cancer, especially here in the sunny southwest and growing up in the Rocky mountains as I did with very little between us and the sun’s UV rays. Sunscreen didn’t show up on the scene until I was in my...
by Ed Hinerman | Jul 20, 2007 | insurance, life insurance, universal life
It occurred to me after reading a study that many retired people might be missing an opportunity to increase their inheritance without any investment risk. This study indicated that the majority of retired people die with significant cash assets untouched. Whether...
by Ed Hinerman | Jul 20, 2007 | Independent agent, insurance, life insurance, private pilots
The life insurance industry has had a love/hate relationship with private pilots going way back. Most of the companies hate to insure them. A handful love to insure them. For most insurance company’s underwriters there must be this sense that the only way a...
by Ed Hinerman | Jul 20, 2007 | breast cancer, cancer, Independent agent, insurance, life insurance
While the word cancer mostly causes distress to the average life insurance agent, many independent agents are well educated and connected to help survivors of breast cancer and many other types of cancer find affordable life insurance. The key for you as a consumer...
by Ed Hinerman | Jul 20, 2007 | cigar smokers, Independent agent, insurance, life insurance, private pilots, prostate cancer, Sleep apnea, term insurance
My grandfather used to do that. He would smoke them and chew them and spit and……well, he had a nicotine habit. Use of nicotine with life insurance companies is a pretty clear cut issue. If you use it, you are in the same rate class as a cigarette smoker....
by Ed Hinerman | Jul 19, 2007 | insurance, life insurance
Some life insurance companies, Transamerica and American General to name two, have stepped off into an area of underwriting that is borderline (or maybe not so borderline) offensive to the people that are subject to the new guidelines. I suspect someone in the near...
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