by Ed Hinerman | Jun 23, 2008 | estate taxes, insurance, life insurance
According to the aficionados, the only thing better than a garage sale is an estate sale. In the best of situations this is after all the good stuff has gone to family members and the executor of the estate throws the rest of it in the front yard so their job can...
by Ed Hinerman | Jun 23, 2008 | bypass surgery, cancer, diabetes, gastric bypass, heart attack, heart disease, insurance, life insurance, obesity
There is a real tendency in our society to brand the morbidly obese as taking the easy way out of the problem they’ve created by considering gastric bypass surgery. Gastric bypass reduces the size of the stomach by stapling off the majority. This causes massive...
by Ed Hinerman | Jun 20, 2008 | Independent agent, insurance, life insurance
There is a rampant misconception out there that life insurance is too expensive and for that reason many people forgo even considering it as a financial planning tool. In a time when many families live paycheck to paycheck it is understandable that they would turn...
by Ed Hinerman | Jun 20, 2008 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Because of the exceptionally high success rate in treatment of prostate cancer, it stands out as ultimately one of the most insurable cancer histories from a life insurance underwriting view. Prostate cancer is the second most commonly diagnosed cancer among men, but...
by Ed Hinerman | Jun 19, 2008 | insurance, life insurance, prayer
Normally I would not “mix business with politics”, but for this post I am setting life insurance aside and using this forum to make my case for what I believe is the most important decision this country is facing concerning our future. Let me preface this...
by Ed Hinerman | Jun 19, 2008 | Biggest Loser, Fat March, Independent agent, insurance, life insurance, obesity
I have often written about the downside of life insurance underwriting of weight issues, but there actually an upside. Back when I was posting weekly about the reality TV shows Fat March and Biggest Loser, while I did point out the health issues that can be caused by...
by Ed Hinerman | Jun 18, 2008 | breast cancer, cancer, insurance, life insurance, prostate cancer
I just received the pathology report that I mentioned in yesterday’s post from the lump removed last week from my Mom’s breast. As I mentioned, with this type of cancer this report is step one of two, with a biopsy of one or more lymph nodes next week...
by Ed Hinerman | Jun 18, 2008 | insurance, life insurance, term insurance
Life insurance is all about taking care of obligations and responsibilities if you die prematurely. Prematurely can be defined by age or by your inability to meet those obligations and responsibilities with your accumulated net worth. Being in the life insurance...
by Ed Hinerman | Jun 17, 2008 | breast cancer, cancer, Independent agent, insurance, life insurance
I wrote a post about breast cancer last week. I was on the way to Wyoming as my Mom was preparing to have a lump removed from her breast. Thank you for your continued prayer. I haven’t received a copy of the pathology report yet but the lump was confirmed to be...
by Ed Hinerman | Jun 17, 2008 | Attention Deficit Disorder, bipolar disorder, Depression, Independent agent, insurance, life insurance
ADHD (Attention Deficit Hyperactivity Disorder) is more commonly associated with children, and for good reason. Raising any child is a challenge. Even the best of them is a handful. Having raised a son with ADHD I can tell you that it’s kind of like fireworks,...
by Ed Hinerman | Jun 16, 2008 | coronary artery disease (CAD), diabetes, high blood pressure, insurance, life insurance, Type 2 diabetes
For just about any health issue there is a “sweet spot” for life insurance underwriting, that place where all of the pluses overcome the minuses and a better than usual approval is received. This is especially true of underwriting guidelines for type 2...
by Ed Hinerman | Jun 16, 2008 | insurance, life insurance
I had a client email late last week in the midst of reviewing his new policy. He had found all of the annuity payment options available under the death benefit proceeds and was concerned that those were his only options. The reality is that the default payment option...
by Ed Hinerman | Jun 12, 2008 | guaranteed issue life insurance, insurance, life insurance
Probably one of the most misunderstood parts of life insurance is the incontestability clause and what it really means. The question from clients is most often framed something like, “How long does the policy have to be in force before it pays?” There are...
by Ed Hinerman | Jun 12, 2008 | breast cancer, cancer, Independent agent, insurance, life insurance, prostate cancer
Last year my father, age 85, did battle with bladder cancer. He was blessed with great doctors and literally hundreds of people praying for him. Today you wouldn’t even know that he had been through a fight with a high grade, high stage cancer that takes more...
by Ed Hinerman | Jun 11, 2008 | Independent agent, insurance, life insurance, private pilots, scuba diving, skydiving
Whenever I do an initial interview with a life insurance client we always touch on “avocation” questions, the dangerous hobby thing. In general the life insurance underwriter wants to know if you are actively increasing your mortality experience by having...
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