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...
by Ed Hinerman | Jul 19, 2007 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
If you are a Northwestern Mutual agent you are bred to believe that life insurance without cash value is, by it’s very nature, evil. Northwestern Mutual has term life insurance products, but they are priced so outrageously high as to lead the casual observer to...
by Ed Hinerman | Jul 19, 2007 | Independent agent, insurance, life insurance, universal life
Every universal life policy sold, is sold as a permanent product. I don’t think there is anything left to the imagination when the word permanent is used. It should never go away. I can assure you that no agents sell universal life policies and tell you that the...
by Ed Hinerman | Jul 18, 2007 | insurance, life insurance, term insurance, universal life
While there are plenty of you out there who paid too much for your life insurance and believe I meant to say “the staggering cost of life insurance”, I meant what I said and I would like to again discuss the idea of staggering or layering your term life...
by Ed Hinerman | Jul 18, 2007 | insurance, life insurance, term insurance, universal life, whole life
Many companies and institutions offer retirement options that are based on how much you want guaranteed during your lifetime and how much you want to continue on to your spouse. Given good health and the proper use of life insurance, you can often have your cake and...
by Ed Hinerman | Jul 18, 2007 | Burial insurance, estate taxes, final expense life insurance, insurance, life insurance, second to die insurance, universal life, whole life
Here’s where you can get a whole helping of my opinion that has grown and matured and reformed and settled since I sold my first whole life policies in 1978. Both whole life and universal life are meant to be permanent insurance. They are meant to be there until...
by Ed Hinerman | Jul 18, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance, universal life, whole life
Probably the most often asked question in life insurance. What is the difference between term and whole life? I will deal with whole life and universal life at another time, but let’s talk about term and what it’s really made to do. Term life insurance...
by Ed Hinerman | Jul 17, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, term insurance
The thought of a life insurance agent, for many, conjures up a picture of someone showing up at the house and sitting in the living room with you and very often using a flip chart type of graphic to drive home the point about why you need exactly what he came there to...
by Ed Hinerman | Jul 16, 2007 | heart attack, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
The average person who purports to be a life insurance agent will a rather adverse reaction if you tell them you want life insurance and openly admit that you have heart disease. It doesn’t matter if you have just had minor blockage that was treated medically,...
by Ed Hinerman | Jul 16, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
The very thought of trying to find life insurance for someone who has had prostate cancer would send 98% of life insurance agents screaming into the dark. Most would just tell you, without asking any questions, that you are uninsurable. About 80% of prostate cancer...
by Ed Hinerman | Jul 16, 2007 | diabetes, heart disease, high blood pressure, hypertension, insurance, insurance quotes, obesity, Type 1 diabetes, Type 2 diabetes
If you have type 1 diabetes or type 2 diabetes and have shopped for life insurance, you more than likely ran into a few stumbling blocks, a few roadblocks and some outright dead ends. The real problem is that you probably ran into an agent who didn’t understand...
by Ed Hinerman | Jul 13, 2007 | insurance, life insurance
1. Lie to the agent about a significant health issue! Life insurance companies are going to obtain your medical records and when they find out they’ve been lied to, they don’t want your business. 2. Don’t do what your doctor recommends! Your...
by Ed Hinerman | Jul 12, 2007 | cholesterol, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea
The industry norm for underwriting sleep apnea has been the same for years until the Rock rocked the boat. Mild to moderate sleep apnea has historically been underwritten at a standard or possibly a standard plus rate depending on compliance with cpap use and a sleep...
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