by Ed Hinerman | Jul 12, 2007 | arrythmia, atrial fibrillation, heart attack, heart disease, life insurance
According to the American Heart Association, about 2.2 million Americans have atrial fibrillation, a form of arrhythmia to some degree. It seems like this year about half of them have inquired about life insurance through our office. Like most health issues, life...
by Ed Hinerman | Jul 11, 2007 | heart attack, insurance, life insurance
If you’re looking for a fascinating read, try your own medical records sometime. It runs the gamut from comedy to mystery and there’s even parts of it that might fall into the non fiction class. Be prepared though. What you think you’ll find when you...
by Ed Hinerman | Jul 6, 2007 | cancer, insurance, life insurance
You ever wonder why life insurance companies are so tentative, so cautious when underwriting cancer cases? Ever wonder why doctors are so cautious about offering a prognosis on cancer? With as much research and study that has gone into cancer and treatment you would...
by Ed Hinerman | Jul 2, 2007 | diabetes, heart attack, Independent agent, insurance, life insurance, private pilots, Type 1 diabetes, Type 2 diabetes
This, for me, just falls into the “go figure” category. Two of the best companies from a product and underwriting stance, MONY and US Financial, were purchased within the last year by AXA Equitable. For a while nothing changed and then snap (my imitation...
by Ed Hinerman | Jul 2, 2007 | basal cell carcinoma, cancer, insurance, life insurance, private pilots, squamous cell carcinoma
Life insurance giant AIG, American General led the way for years in offering the best deals for private pilots looking for life insurance. They took over the market and dominated for several years……and then they bailed. From my perspective it looked like...
by Ed Hinerman | Jun 29, 2007 | cancer, heart disease, insurance, life insurance, stroke
I really think they are probably faking the shock and amazement when they find out they don’t get those life insurance rates advertised everywhere, because those are non smoking rates and they smoke. Surely they’ve slipped up at least once and read the old...
by Ed Hinerman | Jun 27, 2007 | diabetes, high blood pressure, Independent agent, insurance, life insurance, private pilots, Sleep apnea
Most sleep apnea is diagnosed first by the person sleeping next to the apneatic. While on a trip to Mississippi after Hurricane Katrina I got to experience firsthand the room shaking impact of sleep apnea. Having some knowledge of the problem and knowing that I could...
by Ed Hinerman | Jun 25, 2007 | cancer, insurance, life insurance, melanoma, term insurance
Another overly diligent life insurance shopper shot themselves in the foot today. Remember, three things can happen while you are looking for the best possible rate. One of them is good and I’ve seen people even turn that one against themselves. 1. The good one....
by Ed Hinerman | Jun 19, 2007 | DUI, Independent agent, insurance, life insurance
I am often asked why I need to know someone’s driver’s license number when they are applying for life insurance. “What’s that got to do with it”? Life insurance companies have found a glance at a motor vehicle report to be helpful in...
by Ed Hinerman | Jun 15, 2007 | cancer, heart disease, insurance, life insurance, stroke, term insurance
Somewhere in the education system for financial planners, the curriculum missed one little detail. People die unexpectedly! Estate planning attorney’s missed that class also. For all the good that can come from the advice of either profession, none of the advice...
by Ed Hinerman | Jun 14, 2007 | business life insurance, buy/sell life insurance, Independent agent, insurance, life insurance
Most small businesses, which provide the majority of employment, kind of fly by the seat of their pants when it comes to the area of life insurance and a business continuation plan. Just some food for thought. In the US today, you are more likely than not to either...
by Ed Hinerman | Jun 13, 2007 | foreign travel, Independent agent, insurance, life insurance, skydiving
The discussion went smoothly. A family from Georgia, the wife looking for insurance to replace a term policy on her husband that was coming to the end of the guarantee. Good health. A little family history hiccup, but not a big deal. Then I asked about foreign travel...
by Ed Hinerman | Jun 11, 2007 | heart attack, high blood pressure, hypertension, Independent agent, insurance, life insurance, stroke
When faced with the reality that life insurance rates are going to be higher than expected due to high blood pressure readings on an insurance exam, denial is the mode of the day. People don’t deny that their blood pressure was high. It just follows that there...
by Ed Hinerman | Jun 7, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, Type 1 diabetes, Type 2 diabetes
There are many health things in life that just jump up and grab you. You never see it coming and you would have never dreamed of the impact it could have on your life. The question inevitably runs through your mind. What did I do to deserve this? What could I have...
by Ed Hinerman | Jun 7, 2007 | Alcohol Treatment Life Insurance, cancer, Depression, Drug Treatment Life Insurance, estate taxes, heart disease, insurance, life insurance, private pilots
A Simon and Garfunkel song with the line, “my lack of education hasn’t hurt me none”. Well that may be just fine for most life insurance agents, but the fact that it hasn’t “hurt them none” isn’t really the point. How many...
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