by Ed Hinerman | Mar 31, 2009 | cancer, foreign travel, Independent agent, insurance, life insurance, private pilots, scuba diving, skydiving, smoking, student pilot
I finally got my wife to look the other way while I jumped out of an airplane for my 54th birthday. She’s always so nice about asking me what I want for my birthday, and for the past 5 years I hadgreat present. She steadfastly refused, not wanting to be a party...
by Ed Hinerman | Mar 30, 2009 | bypass surgery, diabetes, gastric bypass, Independent agent, insurance, life insurance, obesity, Type 2 diabetes
I recently had a person email to tell me they had been declined for life insurance because they had a successful gastric bypass surgery three years ago. They wondered if, since this had come at the hands of a reputable company, they were just saddled with the fact...
by Ed Hinerman | Mar 30, 2009 | asthma, bipolar, bipolar disorder, blood pressure, cancer, decline, diabetes, high blood pressure, Independent agent, insurance, life insurance, mortality, mortality risk, prostate cancer, Type 2 diabetes
It’s just a bad feeling when a life insurance company declines to offer you coverage. They don’t want to accept the mortality risk!! Do they think you’re dying? Is there something your doctor isn’t telling you? Will you ever be able to get life...
by Ed Hinerman | Mar 29, 2009 | estate taxes, final expense life insurance, insurance, life insurance, second to die insurance, term insurance, universal life, variable universal life, whole life
I’ve been accused of recommending term life for every need and while I maintain that 95% of all needs for the average person are well served by term, there are valid reasons to consider permanent insurance in your portfolio. Before any jumps on that statement...
by Ed Hinerman | Mar 27, 2009 | death benefit, guarantee, illustration, insurance, life insurance, policy, term insurance, universal life, variable universal life, whole life
There are times when it’s obvious that life insurance agents just really don’t believe that service is important and then there are times when the avoid service or drag their feet on a task as a way avoid talking about what’s really going on with...
by Ed Hinerman | Mar 27, 2009 | beneficiary, business life insurance, insurance, life insurance, life partner
I have written several posts on the subject of beneficiary rights if a claim happens during the incontestability period. This is a little talked about subject that can truly cause problems for those who are engaged, are life partners, have used life insurance as...
by Ed Hinerman | Mar 26, 2009 | insurance, life insurance, terrorism
My last post was my 911th and like most of us when I see those numbers I flash back to 9/11 and the horror of that day. I got a lot of calls from clients in the following few months asking basically the same question, “does my policy pay if I die due to an act...
by Ed Hinerman | Mar 26, 2009 | cigar smokers, Independent agent, life insurance
Well, if the last post didn’t hit on anything else important, everyone should at least know that smoking cigarettes can change your life expectancy, and not in a happy way. If you do smoke cigarettes and need life insurance, let me be very clear about this. You...
by Ed Hinerman | Mar 25, 2009 | bipolar, bipolar disorder, insurance, life insurance, term insurance
I can tell you that this is a bell that I never get tired of ringing simply because it has ended an often insulting journey and given new hope to someone who carries the stigma of having bipolar disorder. I got an email within the last hour of approval on a life...
by Ed Hinerman | Mar 25, 2009 | death benefit, insurance, life insurance, universal life
I’ve been in on more than a few laughs and jokes when explaining to people that most of the new universal life no lapse guarantee policies provide guaranteed coverage to age 121. A few different and one company actually has their guarantee to 131. Well, today...
by Ed Hinerman | Mar 24, 2009 | AARP, diabetes, insurance, life insurance, private pilots, Type 1 diabetes, Type 2 diabetes
The ADA continues to strike me as an incomplete advocate. Just try to find information on what it takes to get affordable life insurance if you have diabetes. Unbelievable! I called them this morning and then sent the following email in an attempt to break through to...
by Ed Hinerman | Mar 23, 2009 | blood pressure, diabetes, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, smoking
I knew a guy who made cabinets for a living. He bid jobs through local contractors and directly to homeowners and I could never figure out how he arrived at the prices he presented. There didn’t seem to be a lot of equity between one quote and the next. Now I...
by Ed Hinerman | Mar 23, 2009 | cancer, insurance, life insurance, Lincoln National, mortality, mortality risk, prostate cancer
With life insurance companies there has always been something of a line in the sand when underwriting prostate cancer history. That line has hung on the grade of the cancer as determined by the Gleason score. I’ve often described the Gleason score grading system...
by Ed Hinerman | Mar 22, 2009 | bipolar, bipolar disorder, breast cancer, cancer, Depression, diabetes, heart attack, insurance, life insurance, prostate cancer
I am 56 and I can tell you honestly that 3 years ago I had never read a blog, didn’t know what it was or what it was for. I just knew that for my business to grow, for us to reach more and more people blocked out of life insurance for the same old reasons by the...
by Ed Hinerman | Mar 20, 2009 | blood pressure, cholesterol, obesity, Prudential
It’s been no secret since I followed the Biggest Loser reality series, that while the obesity and BMI challenged might pay a little more for their life insurance than folks that are under the BMI threshold for overweight, there are companies that do offer fair...
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