by Ed Hinerman | Aug 24, 2007 | heart disease, high blood pressure, insurance, life insurance
I have always been an advocate of, if a moderate amount of something is good for, then a huge amount should be great for you. A glass of red wine a day is supposed to help your chances of avoiding heart disease. So, why not a bottle a day and have the heart of a 20...
by Ed Hinerman | Aug 24, 2007 | breast cancer, insurance, life insurance, prostate cancer
As I head off to a family reunion this weekend, thoughts of good times and plenty of food fill my head. It’s summer and of course BBQ will be the mainstay of our evening meals.Always the consummate life insurance agent, I had pegged the travel as our biggest...
by Ed Hinerman | Aug 24, 2007 | cholesterol, heart disease, insurance, life insurance, prostate cancer, PSA
I’ve been accused of harping on some subjects, but I will never be accused of glossing something over or falling short of driving a point home. In our own health, as well as in our quest for lower life insurance rates, knowledge of our own health and educating...
by Ed Hinerman | Aug 23, 2007 | heart attack, heart disease, insurance, insurance quotes, life insurance
It’s been one of those weeks that will drive me to repeating myself. I know I just smacked doctors over the head a few days ago about how they don’t quite explain all the relevant details to their patients. That really puts the patient in a awkward...
by Ed Hinerman | Aug 23, 2007 | estate taxes, insurance, life insurance, second to die insurance
Is the need for second to die life insurance going to go away? Will the estate tax really disappear in 2010? Should you jump to decrease your life insurance because of the new exemption limits? Well, in the world according to me the answers would be NO, NO and NO! The...
by Ed Hinerman | Aug 23, 2007 | breast cancer, cancer, diabetes, heart disease, insurance, life insurance
Mom always said to take my vitamins. Actually she really didn’t, and the truth is that she wasn’t all that big on taking vitamins herself. Who would have ever thought that if she had been taking vitamins regularly and specifically vitamin D, she may not...
by Ed Hinerman | Aug 22, 2007 | cancer, diabetes, heart attack, heart disease
Doctors are famous for leaving out details. I can’t tell you how many people I’ve talked to whose doctors only told them the feel good parts of their health issue. It is fairly common for a heart attack victim to get stress test follow ups. When I ask them...
by Ed Hinerman | Aug 22, 2007 | Fat March, Independent agent, insurance, life insurance
The ABC show Fat March is meeting my expectations in that it is bringing attention to the fact that people can get life insurance at affordable rates even if they are overweight. It has also shown that dramatic impact that weight loss can have on life insurance rates....
by Ed Hinerman | Aug 21, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance quotes, life insurance
It’s time I quit beating around the bush about this subject. I get numerous requests for people who are looking for $20,000 of life insurance or less. Generally I am talking about retired folks who only need final expense or burial insurance. Some times health...
by Ed Hinerman | Aug 20, 2007 | insurance, life insurance
I am playing in a “senior” qualifying golf tournament in the morning. I played a practice round today since I had never played the course. I was fortunate to be paired with 3 high school boys from Rifle, CO. These guys were a throwback to the days when I...
by Ed Hinerman | Aug 20, 2007 | diabetes, Independent agent, insurance, life insurance
I was getting an annual physical not too long ago and the doctor was a woman in her 30’s. When she found out I was a life insurance agent she took the opportunity to vent about her husband having recently been declined for insurance due to having bipolar...
by Ed Hinerman | Aug 18, 2007 | Independent agent, insurance, life insurance
I think the easiest way to approach this is to carry $25 million or so and just suggest to your spouse that if you die prematurely, and the $25 million seems too high, give some to charity. Or buy a new spouse with a longer life expectancy!! OK, OK. That really...
by Ed Hinerman | Aug 17, 2007 | DUI, insurance, life insurance
I have vivid memories of a DUI accident that I witnessed when I was in my 20’s. 30 years later I can still feel the disbelief that flooded my brain that day as I was crossing the Montana border going north on a four lane highway. I was in the right lane and a...
by Ed Hinerman | Aug 16, 2007 | cancer, diabetes, gastric bypass, heart disease, insurance, life insurance
As a life insurance agent I’ve become used to the term mortality experience, how long a person can expect to live given a set of health issues. It was kind of creepy the one and only time I spoke with someone in the life settlement business. I gave him a...
by Ed Hinerman | Aug 16, 2007 | Independent agent, insurance, life insurance, term insurance, universal life
I love that saying! I have it hanging in my office. I don’t, however, have much fondness for those that it applies to. It would not be hard, or take long to write a book about stupid, harmful life insurance recommendations made by, and I use this reference...
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