by Ed Hinerman | Aug 6, 2008 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Assuming survival, which is a pretty good bet with prostate cancer, a life insurance underwriter uses a set of criteria to evaluate the mortality risk of any given cancer survivor. It is this assessed risk that is translated into a rate per thousand dollars worth of...
by Ed Hinerman | Aug 6, 2008 | insurance, life insurance, universal life
People are often very interested in life insurance company ratings, wanting, of course, to have the highest rated company so that they can be assured that the company will be there in the event that a death occurs. While part of the company rating speaks to claims...
by Ed Hinerman | Aug 6, 2008 | cholesterol, diabetes, heart attack, insurance, life insurance, obesity, term insurance
Life insurance agents don’t usually get paid unless they make a sale. This can sometimes cast us in a shady light if the application doesn’t go as planned and we start offering alternatives. People perceive us as doing what it takes to salvage some income...
by Ed Hinerman | Aug 5, 2008 | insurance, life insurance, term insurance, universal life, whole life
Ah, the age old argument. Term versus permanent (whole life or universal life)! Not that I think for even a minute that this list will win over anyone who sells whole life, but I just felt compelled to throw out a list of perfect uses for term insurance. 1. A 30 year...
by Ed Hinerman | Aug 4, 2008 | Independent agent, insurance, key man insurance, life insurance, universal life, whole life
Every once in a while I talk with a client who explains to me what they need from their life insurance policy and what the last agent they dealt with sold them and it leaves me wondering if the agent heard anything the client said. Or, perhaps, the last agent just...
by Ed Hinerman | Aug 4, 2008 | cancer, cholesterol, diabetes, insurance, life insurance, prostate cancer, PSA
Guys, we’ve talked about this before, an area where women don’t even have to struggle at all to make us look like morons. Unfortunately far too many men find out the value of an annual physical, a regular checkup, when they discover that they have a...
by Ed Hinerman | Aug 1, 2008 | cholesterol, diabetes, high blood pressure, Independent agent, insurance, life insurance, Type 2 diabetes
For a long time in the medical and life insurance communities there has been a definition of when someone has diabetes as opposed to being pre-diabetic. The problem has been that doctors had clear courses of action they could take when confronted with a diagnosis of...
by Ed Hinerman | Jul 31, 2008 | Attention Deficit Disorder, bipolar disorder, Depression, insurance, life insurance
I’ve often mentioned that getting approval and good rates on life insurance is a matter of the right agent in combination with the right company. The other key to success is an application that is properly thought out and presented. A case in point is a client...
by Ed Hinerman | Jul 31, 2008 | insurance, life insurance, term insurance, universal life, whole life
It’s no secret that I’m a fan of Dave Ramsey. My wife and I have been through his Financial Peace University and his no nonsense approach to finances has reshaped, or perhaps given shape, to our approach to money management. Dave is about as clear and...
by Ed Hinerman | Jul 30, 2008 | diabetes, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
As we’ve reviewed the underwriting criteria for life insurance when it involves diabetes over the years, I’ve beat the need to know your hbA1c to death. I would guess that more than 50% of diabetics I have spoken with don’t even know what I’m...
by Ed Hinerman | Jul 30, 2008 | angioplasty, bypass surgery, heart attack, Independent agent, insurance, life insurance
Early on in my work with cardiac patients needing life insurance I learned to ignore what they remembered their cardiologist telling them about their prognosis, and just dig for facts. The most important fact that we needed uncovered and on the table was the amount of...
by Ed Hinerman | Jul 29, 2008 | insurance, life insurance, private pilots
Oshkosh is wall to wall private pilots this week. It’s a week long fest of vintage planes, shows, and even the much anticipated Martin Jetpack kicking things off with it’s first public flight. Life insurance will be well represented I’m sure, but...
by Ed Hinerman | Jul 29, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
Skin cancer is the most common cancer among both men and women in the US. Life insurance underwriters have shown a lot of movement on their underwriting guidelines for skin cancer over the past several years. Unfortunately, until recently, it didn’t seem to be...
by Ed Hinerman | Jul 29, 2008 | insurance, life insurance, term insurance, universal life, whole life
The argument of term versus permanent insurance has raged on since before I first got into the business in 1978. Back then the defining lines between the two were more stark, with the only term product available being a yearly renewable term, a product with a low...
by Ed Hinerman | Jul 28, 2008 | bipolar disorder, diabetes, epilepsy, heart disease, Independent agent, insurance, life insurance
I’ve mentioned many times that the large internet agencies are well equipped to pursue and sell the younger age, completely healthy market. It is, for them, an uncomplicated and easy way to keep the cash flowing. It is much quicker and easier than dealing with...
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