by Ed Hinerman | Dec 31, 2009 | insurance, life insurance
Every time I run into the financial justification issue for a home maker I just want to scream. Most insurance companies still hold the stance that a home maker can only be insured for up to half of what the primary bread winner is insured for. Companies have never...
by Ed Hinerman | Dec 30, 2009 | estate taxes, insurance, life insurance
The House of Representatives passed a bill extending the current estate tax levels and exemptions on December 3, a move to quash the impending 2010 complete repeal of estate taxes (at least for a year). However, the Senate killed the bill, unable to garner enough...
by Ed Hinerman | Dec 30, 2009 | insurance, life insurance, obesity, Sleep apnea
I was working with a client on quotes the other day and he was telling me about a friend who had decided not to even pursue life insurance because he was convinced that he was probably not insurable. You know it’s kind of like that old saying, “The only...
by Ed Hinerman | Dec 28, 2009 | beneficiary, insurance, life insurance
I got a call from the daughter of a man who had asked me to send him an application for life insurance back in 2003 today. She wanted to know if I could help her track down the policy as he had recently passed away and the application they had found in his paperwork...
by Ed Hinerman | Dec 28, 2009 | cholesterol, HDL, insurance, life insurance
Life insurance underwriting is kind of like sand dunes. You can take a picture at the beginning of a year and it can be absolutely clear where every grain of sand lies. The exact same picture taken at the end of the year could easily have been taken on another planet....
by Ed Hinerman | Dec 23, 2009 | insurance, life insurance, term insurance
From a life insurance perspective. Heck, from just about any perspective this has been one crazy year. But the sky didn’t fall and I think it’s time we put it all in perspective and move on. Term life insurance prices have been in something of a free fall...
by Ed Hinerman | Dec 14, 2009 | gastric bypass, insurance, life insurance
The standard guideline for life insurance underwriting of gastric bypass surgery has generally been two years out from surgery and one year of weight stability. In other words most companies don’t really want to participate in your mortality post surgery,...
by Ed Hinerman | Dec 11, 2009 | bipolar disorder, insurance, life insurance
I have been working with a physician who has bipolar disorder and we were declined on our first life insurance application through Transamerica. Trans has pretended to be more aggressive or creative or whatever, on their trials than they actually are on formal...
by Ed Hinerman | Dec 9, 2009 | insurance, life insurance
How to find someone the best life insurance rates in the business really isn’t rocket science, but it seems to be an ability that doesn’t come easily to most life insurance agents. This bodes well for me as an agent because there are a lot of customers out...
by Ed Hinerman | Dec 8, 2009 | estate taxes, insurance, life insurance
For those who were really thinking that the government would allow the estate tax repeal to continue into 2010, the year that estate taxes would simply disappear, it’s time to exhale. The House of Representatives has voted to keep the current estate tax...
by Ed Hinerman | Dec 5, 2009 | bipolar, bipolar disorder, insurance, life insurance
It’s December and it’s been an outstanding year in helping those with bipolar disorder find the life insurance they need at affordable prices. Most of our successes have been snatched from the jaws of defeat that other companies have held our clients in....
by Ed Hinerman | Dec 3, 2009 | bipolar disorder, insurance, life insurance
I wrote my first United of Omaha life insurance application in 1978. Those were the days of Mutual of Omaha’s Wild Kingdom, Marlin Perkins and the advent of yearly renewable term insurance. They were a powerhouse company back then with all captive agents and a...
by Ed Hinerman | Dec 1, 2009 | insurance, life insurance
I just read a press release on my favorite on line mega giant life insurance agency, Selectquote, now offering quotes by simply texting your age into your cell phone. That’s it! Your age and you get a quote! How stupid is that? If it’s really that easy...
by Ed Hinerman | Dec 1, 2009 | bipolar disorder, insurance, life insurance
I’m as guilty as anyone on this. I go to the doctor and they tell me what’s wrong and what to do about it. I go home and decide that either I’ve got a better idea or at least a cheaper one, so I modify the treatment plan and go on with life....
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