by Ed Hinerman | Aug 16, 2007 | insurance, life insurance, term insurance, universal life, whole life
I mean really. What one of you hasn’t wondered at some point how a company can offer $500,000 worth of life insurance for for $14 per month. You die after 10 months (made the math easy on myself) and they’ve taken in $140 and paid out $500,000, a net loss...
by Ed Hinerman | Aug 16, 2007 | insurance, life insurance, universal life
This is a point that probably can never be driven home enough to get everyone’s attention, but listen…..No matter what your life insurance agent told you about your universal life policy staying in force as long as you pay the premiums…..No matter...
by Ed Hinerman | Aug 16, 2007 | cancer, Independent agent, insurance, life insurance, stroke
I suspect there isn’t any of us who don’t have a family member or friend who has had breast cancer. The good news from a life insurance standpoint is that breast cancer screening and treatment has improved dramtically, meaning early detection and...
by Ed Hinerman | Aug 15, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
There is no more critical component of life insurance underwriting of prostate cancer than the stage and grade. In the medical world it is often next to impossible to find a simple explanation of anything. I found an article today that explains the whole prostate...
by Ed Hinerman | Aug 15, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer, PSA
As older guys we are all familiar with the whole issue about prostate cancer. Our doctors like to check us annually just like our wives get annual pap smears or mammogram to rule out cervical or breast cancer. I’m sure women would say we are getting off easy...
by Ed Hinerman | Aug 14, 2007 | cancer, heart attack, insurance, life insurance, term insurance
Whatever the name it’s given for a particular situation, death bonds, viaticals, investor owned life insurance, life settlement…..it all comes down to a large step away from what life insurance ought to be, and a blemish on the integrity of the life...
by Ed Hinerman | Aug 14, 2007 | Fat March, insurance quotes, life insurance
My goal for following the ABC show Fat March has been to bring attention to the fact that people can get life insurance at affordable rates even if they are overweight in most instances. I also wanted people to see, as the participants drop weight, what a difference...
by Ed Hinerman | Aug 13, 2007 | cholesterol, coronary artery disease (CAD), diabetes, high blood pressure
This is another one of those life insurance underwriting areas where companies are definitely not all in agreement. Time to contact an independent agent who can choose the right company. They can pretty much all agree that if you have high blood pressure that is...
by Ed Hinerman | Aug 13, 2007 | cancer, Independent agent, insurance, life insurance, private pilots, skydiving
I finally got my wife to look the other way while I jumped out of an airplane this year. She’s always so nice about asking me what I want for my birthday, and for the past 5 years I’ve been telling her I wanted to try skydiving and that would be a great...
by Ed Hinerman | Aug 13, 2007 | Independent agent, insurance, life insurance, private pilots
Scuba diving is a topic, or an avocation as they like to put it, that has insurance companies all over the map as far as how it is underwritten. If you are an avid scuba diver, you definitely want to enlist an independent agent to help you find the best life insurance...
by Ed Hinerman | Aug 13, 2007 | cancer, heart disease, Independent agent, insurance, life insurance, stroke, Type 2 diabetes
Just to follow on up on all the discussion that started with my post last week that will follow “Fat March” participants as they lose weight on national TV. I felt it would be informative for anyone who is dealing with weight issues to know that life...
by Ed Hinerman | Aug 9, 2007 | Independent agent, insurance, life insurance
The answer to that question has changed some over the years. In the 70’s the rule was that you could pretty much buy all of the life insurance you could pay for. If you made $20,000 a year and wanted to use half of that to buy a $10 million dollar life insurance...
by Ed Hinerman | Aug 9, 2007 | cancer, cholesterol, diabetes, heart disease, hepatitis, high blood pressure, insurance, life insurance, stroke
Barry Bonds now has more home runs than anyone in history. 756!! I tried hitting 50 mph balls in a batting cage one time and hit like one out of twenty or so and it was not home run material. I’m impressed. Some people say he got there with the use of steroids....
by Ed Hinerman | Aug 9, 2007 | Independent agent, insurance, life insurance
The question comes up with some frequency. Someone is pregnant and it suddenly dawns on them that life insurance is a good idea because there’s going to be this little “insurable interest” (industry term) running around before long. Can I get life...
by Ed Hinerman | Aug 8, 2007 | insurance, life insurance, obesity
I watched the beginning 15 minutes of a TV show the other night called Fat March where 6 men and 6 women, all substantially overweight to morbidly obese, were going to walk 500 miles to see how many pounds they could shed. Unlike most folks trying to lose weight, if...
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