by Ed Hinerman | Nov 26, 2008 | cancer, diabetes, insurance, life insurance, obesity, term insurance
One of the things that is hard to drive home to people who are looking for life insurance is the cost of waiting to correct a situation that is keeping them from the rate class they want. Probably the single issue where this comes up most frequently is obesity. Just a...
by Ed Hinerman | Nov 25, 2008 | cholesterol, insurance, life insurance, liver functions, no exam, PSA, smoking, term insurance
With very few exceptions life insurance applications are accompanied by a physical exam and blood and urine tests. Occasionally the issue of a blood draw can complicate things with people whose veins are hard to find or those that are just plain freaked out by...
by Ed Hinerman | Nov 24, 2008 | cancer, insurance, life insurance
The tools that are available for doctors to investigate our innards these days are the tools of science fiction from my childhood. Back then if you couldn’t figure it out with an x-ray you needed to be cut open. The truth is that even then, even with you laid...
by Ed Hinerman | Nov 22, 2008 | insurance, life insurance, suze orman, term insurance, universal life, whole life
With all the ongoing financial drama, television networks are falling all over themselves to interview experts on this and that and what the heck we should do to protect our retirement. Just by the sheer luck of the draw I ran into three Suze Orman interviews within...
by Ed Hinerman | Nov 22, 2008 | insurance, life insurance
In the past I’ve gone off on the whole idea that people over age 65 or 70 should have to complete a cognitive skill test as part of a life insurance exam. It is insulting and as many times as I’ve looked at the questions, I still fail to see the relevance....
by Ed Hinerman | Nov 20, 2008 | diabetes, heart disease, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
We’ve been hitting them out of the park on type 2 diabetes underwriting for quite some time, but that pot at the end of the rainbow, fair underwriting for type 1 diabetes, that we never have been able to get to is finally coming within reach. Given certain...
by Ed Hinerman | Nov 19, 2008 | cancer, diabetes, heart attack, insurance, life insurance, obesity
Being in the life insurance business and having been on the business end of passing on checks for death benefits, I have a real sense of just how much life insurance is needed by the families that receive it and a real passion for helping others understand that buying...
by Ed Hinerman | Nov 19, 2008 | cancer, diabetes, heart disease, insurance, life insurance
Impaired risk, an industry term that refers to life insurance on people with significant health issues, cancer, diabetes, heart disease and such, is an area that we have focused on for some time. While the masses and the giant internet agencies flock to the healthiest...
by Ed Hinerman | Nov 17, 2008 | angioplasty, cholesterol, heart attack, insurance, life insurance
There isn’t any question that given the clear choice between suffering a potentially fatal heart attack and having the artery opening procedure called angioplasty, the prudent thing to do is to stack the deck in your favor and open those arteries. But there is a...
by Ed Hinerman | Nov 17, 2008 | Anxiety, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance, seizure disorder
Still fresh in my mind is the story a client related to me about her experience of being declined for life insurance due to bipolar disorder. This was news to her since she didn’t have bipolar disorder. In talking through the situation with her she did bring up...
by Ed Hinerman | Nov 16, 2008 | insurance, life insurance, term insurance, universal life, whole life
I receive although I never subscribed to an industry magazine called National Underwriter. It occasionally has a relevant article on such things as estate taxes, marketing ethics and so on, but mostly the articles lean in directions that are against my professional...
by Ed Hinerman | Nov 15, 2008 | Anxiety, bipolar disorder, blood pressure, cholesterol, Depression, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Over the years we have offered discussion on how to get the best possible life insurance rates even though your health is less than perfect. The truth is that with perfect health and family history you can probably find good rates at any number of sources and how to...
by Ed Hinerman | Nov 14, 2008 | insurance, life insurance, term insurance
With people climbing every mountain top looking for answers to how to save their retirement from the economic meltdown that has consumed us for the past few months, it amazes me that the financial guru’s of the world are leaving out one of the easiest and most...
by Ed Hinerman | Nov 14, 2008 | AIG, insurance, life insurance
In these unprecedented financial times it is a breath of fresh air when a company is willing to not only be transparent, but also lay out step by step their game plan for survival. With consumer confidence at an all time low I would like to see more companies like...
by Ed Hinerman | Nov 12, 2008 | insurance, life insurance, life settlements, term insurance
I’ve made no bones in the past about my issues with the life settlement or viatical market. In addition to the fact that many life insurance companies are opposed to the practice, I have not been convinced that it is an ethical practice. The idea of someone in...
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