by Ed Hinerman | Feb 27, 2009 | breast cancer, cancer, insurance, life insurance
One of the great things from a life insurance standpoint in regards to early stage breast cancer, due to the very high survival rate, is that life insurance can often be purchased not too long after the cancer therapy is complete at as good as standard rates. Probably...
by Ed Hinerman | Feb 26, 2009 | AARP, Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, term insurance, universal life, whole life
The idea of burial life insurance is something that has been slow to evolve and is often misunderstood. In its’ purest form it is a contract taken out with a mortuary and for an up front payment they promise that a burial is prepaid. What people should be coming...
by Ed Hinerman | Feb 25, 2009 | AIG, insurance, life insurance
Since AIG hit the skids last fall I have been keeping clients and readers on top of the “what ifs” with their life insurance branch, American General. AIG’s recession slide has been a boondoggle of epic proportions with nearly $150 billion of bail...
by Ed Hinerman | Feb 25, 2009 | blood pressure, diabetes, high blood pressure, insurance, life insurance, private pilots
Most of the private pilots in the US have had some experience with the effect their hobby or avocation has on their life insurance rates. Insurance companies generally don’t look favorably on private aviation and the insurance quotes that most companies and...
by Ed Hinerman | Feb 24, 2009 | heart attack, insurance, life insurance, term insurance
Each day brings another reason to be more impressed by just how stupid the majority of men are. If you’re a guy and don’t want to hear this, let your wife read it. Women get this stuff. I just talked to an agent friend of mine who worked with a client last...
by Ed Hinerman | Feb 24, 2009 | foreign travel, insurance, kidnap, life insurance, ransom, travel insurance
I can remember when life insurance was sold from vending machines in airports. “Flight” insurance I think they called it. Really put my mind at ease. While that has come and gone, some travel still carries with it a risk worth considering. With our global...
by Ed Hinerman | Feb 23, 2009 | insurance, life insurance, Prudential, term insurance, universal life, whole life
I realize that this is like one of those insurance guy things. We get all excited when some really good product is about to change (not for the better), or we get wind of a rate increase. It’s a chance to get the word out and hopefully do something good for...
by Ed Hinerman | Feb 20, 2009 | cancer, diabetes, insurance, life insurance, Type 2 diabetes
Just yesterday I posted some guidelines on what it takes to get good life insurance rates if you have diabetes. Today I read a sometimes funny and sometimes poignant take on life with type 2 diabetes on DLife.com. I have a true appreciation for those who can keep a...
by Ed Hinerman | Feb 19, 2009 | AARP, conversion, insurance, life insurance, term insurance, universal life, whole life
There’s something about one of those weeks when I get 10 pieces of mail from AARP touting all of their worn out, rip off products that just makes me want to talk about it. Since my Mom doesn’t care and my wife doesn’t want to hear it again, thanks...
by Ed Hinerman | Feb 19, 2009 | A1c, diabetes, heart disease, high blood pressure, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
To be honest there is good news and bad news. The bad news is that those life insurance companies who are “diabetic friendly” are in fact very “Ltd”….limited. The good news is that there are a handful of companies that are very fair and...
by Ed Hinerman | Feb 17, 2009 | Independent agent, insurance, life insurance, mortality, mortality risk, smoking
For those that don’t smoke there is a virtual log jam of companies scrapping it out for those who qualify for the best rate classes. Not so if smoking is part of your portfolio. For those who smoke it is imperative that you use an agent that has access to all of...
by Ed Hinerman | Feb 17, 2009 | basal cell carcinoma, blood pressure, cancer, cholesterol, diabetes, DUI, insurance, life insurance, private pilots, scuba diving, skydiving, smoking
I’m often asked, after the fact, what it takes to get the best life insurance rates. While I would be hard pressed to cover everything that could be hiding in your medical records, I can provide a general rundown based on the exam, labs, family and personal...
by Ed Hinerman | Feb 15, 2009 | insurance, life insurance, mortality, mortality risk, prayer, term insurance
I’m always talking about others and their trials and tribulations in quest of the best life insurance rates they can find. For a change of pace I thought I would take you along on my own life insurance application adventure. I have two term insurance policies...
by Ed Hinerman | Feb 14, 2009 | bait and switch, blood pressure, cholesterol, diabetes, heart disease, high blood pressure, insurance, insurance quotes, life insurance
Just for minute let’s pretend this wild scenario could happen. You talk to two life insurance agents and tell them both the same health information. One gives you a quote that your life insurance policy will cost $1000 a year and the other says it will cost...
by Ed Hinerman | Feb 12, 2009 | insurance, life insurance, suze orman, term insurance, universal life, whole life
Suze Orman, the queen of life insurance misinformation, has riled up the folks at MSN Money now. I thought they kind of soft peddled it a bit in their claim that she doesn’t have a clue about anything. While MSN took exception to her ridiculous investment...
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