by Ed Hinerman | Oct 11, 2007 | cholesterol, insurance, life insurance
Had I known about National Cholesterol Month, we could have taken the whole month off instead of just Labor Day. Seriously though, cholesterol has to be ranked right up there with high blood pressure as one of the silent killers. I believe I mentioned in a post not...
by Ed Hinerman | Oct 10, 2007 | Biggest Loser, cancer, diabetes, heart disease, insurance, life insurance, obesity
A lot more weight loss this week. They did it while on vacation in Jamaica. Congratulations to all of them. I can tell you that I’ve certainly never lost weight on a tropical vacation. Again, the drama and game of the show is not my focus. Obesity carries some...
by Ed Hinerman | Oct 10, 2007 | breast cancer, cancer, heart disease, insurance, life insurance
To some oncologists it appears to be a case of “the cure is worse than the disease”. There may be a link to one type of chemotherapy and the increased risk of heart disease in women who have already won one battle. Drugs call anthracyclines are a breast...
by Ed Hinerman | Oct 9, 2007 | breast cancer, cancer, insurance, life insurance
Since it is breast cancer awareness month and since breast cancer and life insurance is an issue that is visited frequently on our website, I thought I would just recap some of the things we know about it and how life insurance underwriters view it. Breast cancer is...
by Ed Hinerman | Oct 9, 2007 | insurance, life insurance
There is a very real problem when it comes to the estates of “non-traditional” couples. Laws are written and uphold the estate laws for traditional married couples, but those laws don’t offer the same estate protection for other couples. Without...
by Ed Hinerman | Oct 9, 2007 | Biggest Loser, insurance, life insurance, term insurance
After episode 3’s relatively low weight loss, except for the red team, weight starting falliing off again. Again, my goal with this blog is not to talk about the drama of the game, but rather the health and life insurance aspects of weight loss. With each weigh...
by Ed Hinerman | Oct 8, 2007 | insurance, life insurance, universal life
Let me make something perfectly clear… again. Almost all life insurance is purchased to protect your family against an untimely death. If you knew when and how your death was going to happen it might render a lot of life insurance unnecessary, or perhaps more...
by Ed Hinerman | Oct 8, 2007 | diabetes, insurance, life insurance
How many times have you heard it from me (and I’m still young…sorta)? Life insurance underwriters look at diabetes through a set of glasses with CONTROL written on the lenses. On a life insurance exam glucose levels, for someone without diabetes, over 109...
by Ed Hinerman | Oct 8, 2007 | Biggest Loser, cancer, diabetes, heart disease, insurance, life insurance, obesity
Yes, I know I’m a week behind on tracking the Biggest Loser stats, and I promise to have all the new numbers posted before tomorrow’s show. I have been attempting to reach someone connected to the NBC Biggest Loser reality weight loss show concerning their...
by Ed Hinerman | Oct 7, 2007 | insurance, life insurance
Well, back from vacation and ready to talk about life insurance from every angle possible……..starting tomorrow. Vacation was great. Time with just my wife and myself was awesome. Didn’t have to use our life insurance and that’s a good thing....
by Ed Hinerman | Oct 7, 2007 | cancer, diabetes, heart disease, insurance, life insurance, obesity
I met a guy in Hatch, Ut the other day along our way to Bryce and Zion National Parks. He had a compelling story to tell about beating obesity and how it saved his life. He had lived most of his life in Branson, MO and about five years ago had decided to end annual...
by Ed Hinerman | Oct 7, 2007 | estate taxes, Independent agent, insurance, life insurance, term insurance, universal life
Most life insurance trusts are funded by permanent insurance, either universal life or whole life. This is generally not an inexpensive proposition, but compared to estate taxes, by far the smaller hit. I mentioned in a previous post that the ownership of a policy...
by Ed Hinerman | Oct 7, 2007 | estate taxes, insurance, life insurance
As explained in a previous post, if the owner of a policy sets up a life insurance trust and changes the ownership and beneficiary to the trust, and a death occurs within three years of that change, the IRS will roll the clock back to original ownership and...
by Ed Hinerman | Oct 7, 2007 | estate taxes, insurance quotes, life insurance
Life insurance proceeds are about the only source of money that is income tax free. This gives added value to the benefit that you leave your beneficiaries. There is one area that you need to be careful with beneficiary designations. The IRS has a three year look...
by Ed Hinerman | Oct 1, 2007 | diabetes, high blood pressure, insurance, life insurance, obesity
In my work with people who are diagnosed with type 2 diabetes, there have been many times that they have been able to get the condition under control with diet and exercise. Sometimes they start with medication, but eventually the good forces of a healthy diet and...
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