by Ed Hinerman | Jun 18, 2009 | AARP, insurance, life insurance, New York Life
New York Life must be on a revenue generation mission. My latest AARP magazine had an advertisement for their AARP group term insurance with an increased limit I hadn’t seen before. You can now “add to your family’s financial security with up to...
by Ed Hinerman | Jun 18, 2009 | cigar smokers, insurance, life insurance
I will post this very quietly so as not to wake the life insurance underwriters who would likely leap on an article like this to do away with the great non smoking rates that cigar smoking applicants are getting right now. By the way, I haven’t seen this...
by Ed Hinerman | Jun 17, 2009 | Anxiety, diabetes, insurance, life insurance, term insurance
Relieve that stress and get away from it all for a little camping. Pictured above is what a few thousand people call getting away from it all every year during the Ride the Rockies bicycle tour. A little bike ride through the mountains with 2000 people. What, are they...
by Ed Hinerman | Jun 17, 2009 | insurance, life insurance, women
What I have hoped to drive home over the past several posts on women and life insurance is really that there is very little difference between men and women and the needs they are trying to meet. I’ve tried, and I hope accomplished, explaining why there is...
by Ed Hinerman | Jun 17, 2009 | Anxiety, bipolar disorder, Depression, insurance, life insurance
You know what really is great about being able to get good rates and place policies in force for those with bipolar disorder? The families are so grateful because of all they’ve been through with the demeaning treatment and declines they have received at the...
by Ed Hinerman | Jun 16, 2009 | insurance, life insurance, women
Moving on with this series of posts on all the variations on the need that women have for life insurance, whether by choice or not we have ever growing numbers of single moms. Of all the different scenarios that women face when it comes to life insurance, perhaps that...
by Ed Hinerman | Jun 16, 2009 | business life insurance, women
Whether as an executive or CEO of a large business, or as owner of one of the small businesses that are the backbone of this country, women are increasingly in charge of companies and increasingly needing to consider life insurance as a way to protect that for their...
by Ed Hinerman | Jun 15, 2009 | insurance, life insurance, return of premium term insurance, women
The carefree life of the young and single! Been there and done that, and I don’t believe I was the odd person out when I failed to plan for the future. My assumption was that if things changed I would deal with it as it came up. That included any thoughts about...
by Ed Hinerman | Jun 15, 2009 | insurance, life insurance, women
This is a subject worthy of revisiting. Men especially, but women also, underestimate the need for life insurance in almost all scenarios. Even when there should be no other assumption than exactly equal we somehow manage to come up with the wrong answer. If we say...
by Ed Hinerman | Jun 15, 2009 | insurance, life insurance, women
There is a real tendency in the whole conversation about life insurance to leave women out of the conversation entirely or at best to make them an “add on” thought. The truth is that as almost all families either are or are becoming second income...
by Ed Hinerman | Jun 15, 2009 | Banner Life, insurance, life insurance
I know I have beat the subject to death and beat up on other agents who don’t beat the subject to death, but allow me to begin this Monday by sharing with you the actual cost of dragging your feet. This particular example actually is a long time friend of mine...
by Ed Hinerman | Jun 12, 2009 | insurance, life insurance, TIAA
This is a question that comes up occasionally. Usually someone wants to bind new coverage because the price just went up on their old policy, or because they want something in force for business purposes or due to upcoming travel. The old way of “binding”...
by Ed Hinerman | Jun 11, 2009 | angioplasty, coronary artery disease (CAD), heart attack, insurance, life insurance
Angioplasty has been praised for its’ less invasive approach to fixing clogged arteries than the traditional bypass surgery by many and it has been labeled a dangerous scam by others. In light of a couple of takes on angioplasty by CBS news this week I want to...
by Ed Hinerman | Jun 10, 2009 | bipolar disorder
With all the work and research we’ve done over the past few years concerning mood disorders and especially bipolar disorder I have run across few resources that would even remotely compare to Julie Fast’s Bipolar Happens website. Julie’s story of her...
by Ed Hinerman | Jun 10, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
Wanted. 60+ year old type 2 diabetic. Diagnosed in last 5 years. Good control with A1c 7.0 or better. No complications. You have won the prize. I’ve been working with the diabetes community for a long time and never thought I would be able to announce that a...
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