by Ed Hinerman | Aug 25, 2008 | insurance, life insurance, prayer
For other reasons than the flurry of life insurance related exchanges with the Zander Insurance Group last week, I was almost crushed by my own lack of humility and my own pridefulness. When I left church on Sunday, as so often happens, I had heard the word of God and...
by Ed Hinerman | Aug 22, 2008 | Depression, Independent agent, insurance, life insurance
I doubt there are any of us who have not been through some period of situational depression and while depression can come in many colors and sizes, I think it is important to define it and talk about it in the context of life insurance. Common causes of situational...
by Ed Hinerman | Aug 21, 2008 | insurance, life insurance, suicide clause
If asked, most people would say that life insurance doesn’t cover death due to suicide and they would certainly have logic on their side. After all, what sense does it make that someone can buy large amounts of life insurance for pennies on the death benefit...
by Ed Hinerman | Aug 20, 2008 | blood pressure, cancer, cholesterol, diabetes, heart attack, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
Virtually all life insurance companies take your immediate family health history into consideration at some level. They don’t all view it the same and they certainly don’t all treat it the same, but it is in their guidelines and they seldom waiver. This...
by Ed Hinerman | Aug 19, 2008 | Independent agent, insurance, life insurance, term insurance
I think I’ve made my position pretty clear when it comes to where the best values on life insurance can be found and the fact that your local auto and homeowners agency is not that place. I feel the need to expound today. You see advertisements all the time with...
by Ed Hinerman | Aug 19, 2008 | bipolar disorder, insurance, life insurance
WE have been blessed with great success in getting good, competitive life insurance rates for those with bipolar disorder and really had another success on the way, but the client derailed it. Fortunately this is a rare situation because, frankly, working as hard as...
by Ed Hinerman | Aug 18, 2008 | estate taxes, insurance, life insurance
Historically life insurance used in estate planning has revolved around the issue of estate taxes, with the irrevocable life insurance trust being the stop gap to keep the government from draining off half the value in fairly liquid estates and sometimes completely...
by Ed Hinerman | Aug 18, 2008 | insurance, insurance quotes, life insurance, term insurance
I am a graduate of Dave Ramsey’s Financial Peace University and a firm believer in his financial guidance and yes, his thoughts on life insurance. I believe that both his passionate belief that people should have life insurance and that for almost everyone it...
by Ed Hinerman | Aug 16, 2008 | diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Type 2 diabetes
In previous posts I have touched on studies that have shown that the dramatic weight loss provided by gastric bypass surgery has proven to have much more value than just a matter of convenience in losing weight. With the primary risk factor for type 2 diabetes being...
by Ed Hinerman | Aug 16, 2008 | cholesterol, heart disease, insurance, life insurance
Life insurance exams have stayed pretty much the same for as long as I’ve been in the business, about 150 years now. On the lab side, the blood and urine testing, an occasional new test has come along and a few have gone down in extraordinary flames. The...
by Ed Hinerman | Aug 14, 2008 | angioplasty, heart disease, insurance, life insurance
I think I’ve been very clear over the years about unexplained information in medical records and how life insurance underwriters deal with it. They ask questions! Sometimes the mystery information isn’t relevant once it is explained. Sometimes the...
by Ed Hinerman | Aug 14, 2008 | insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
Is return of premium term life insurance the right choice for you? What about a permanent universal life policy that will return your premium if you decide you no longer need it, or can no longer afford it? So let’s bust one myth right away. A lot of people...
by Ed Hinerman | Aug 13, 2008 | breast cancer, cancer, insurance, life insurance
It’s been a few weeks, but I wanted to bring an update on my Mom’s breast cancer process. As I’ve mentioned before, this isn’t really about my Mom, as she is past her life insurance buying days, but rather about the process and how her scenario...
by Ed Hinerman | Aug 7, 2008 | insurance, life insurance, smoking
I just held an impromptu contest in my head to determine what group of people have the largest number of life insurance quotes asked for compared to actual policies applied for. The results are in and I’m not going to try to make any broad social implication out...
by Ed Hinerman | Aug 7, 2008 | Independent agent, insurance, life insurance, term insurance
Gotta love that show Mythbusters. If I ever leave the life insurance business I could see signing on as a helper. So, let’s bust a myth about life insurance. The myth: You have to get your term insurance from a company that is highly rated. If you don’t...
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