by Ed Hinerman | Jun 4, 2009 | insurance, life insurance
How often have I been asked if there is a formula for determining how much life insurance a person should carry? Plenty of formulas out there from the simple, 10x annual income to the ridiculously complex, but what really answers the question? Needs analysis spans...
by Ed Hinerman | Jun 4, 2009 | cholesterol, insurance, life insurance
If I had to choose one life insurance underwriting guideline that causes more consternation than any other it would be the subject of cholesterol. I still get all tied in knots over the debate concerning cholesterol that I had with ING Reliastar In December and...
by Ed Hinerman | Jun 3, 2009 | rate increase, West Coast Life
After announcing West Coast Life’s planned term insurance rate increase a few days ago and the following up yesterday with a summary of their rules for transition to the new rates I queried West Coast about the huge discrepancy in time allowed between agents in...
by Ed Hinerman | Jun 3, 2009 | cholesterol, insurance, life insurance
A potential life insurance client was interviewing me the other day and asked why he should put confidence in my quote for a better rate on term life insurance than he was currently paying. Certainly a fair question and one that goes right to the meat of our business...
by Ed Hinerman | Jun 2, 2009 | insurance, life insurance, life settlements
I’ve never minced words about what a horrible idea life settlements are. A life settlement is when you sell the ownership of a life insurance policy on yourself for some amount of money, and they are then the owner and beneficiary when you die. Personally my...
by Ed Hinerman | Jun 2, 2009 | diabetes, insurance, life insurance, term insurance
No, no. I don’t really think I’m special. Family nickname and joke. “Ed’s done so well they named an entire school curriculum after him.” Ha Ha! Today I want to reflect on this, my 1000th post, and the journey and events of the last 2 1/2...
by Ed Hinerman | Jun 2, 2009 | cholesterol, diabetes, insurance quotes, life insurance
I’m going to make up some statistics for the sake of this discussion. They may not be completely accurate, but I suspect they are close enough for government work. Do I get TARP money for saying that? It is my belief that 75% of men don’t know what their...
by Ed Hinerman | Jun 2, 2009 | insurance, life insurance, term insurance, West Coast Life
When life insurance companies change rates or some features of their policies they always have a deadline for application submission to get the old rates or features. Occasionally I get the feeling that clients may wonder if my advice to make a decision or get an...
by Ed Hinerman | Jun 1, 2009 | insurance, life insurance, term insurance, West Coast Life
As we have reported early, often, loud and accurately, term insurance rates as we’ve grown to know and love them, lower each year, are turning rapidly the other way. West Coast Life insurance announced today that they will increase their term insurance rates...
by Ed Hinerman | Jun 1, 2009 | estate taxes, guarantee, insurance, life insurance, term insurance, universal life, whole life
90% of life insurance agents cash those commission checks and forget anything they said about service. If this past year has taught us anything, we should have learned that a financial adviser that doesn’t stay on top of changes and doesn’t stay in touch...
by Ed Hinerman | Jun 1, 2009 | Dave Ramsey, insurance, life insurance, smoking
I’ve never been seen smoking and I suspect that Dave Ramsey isn’t real big on the habit either, but after spending the last year and a half immersed in Dave Ramsey through his Financial Peace University, I am convinced that Dave Ramsey wouldn’t want...
by Ed Hinerman | May 29, 2009 | diabetes, gastric bypass, insurance, life insurance, obesity
I’ve written before about the dramatic and often amazing results that extremely overweight people have see in regards to their diabetes when they undergo gastric bypass surgery. Gastric bypass is a procedure that essentially creates a dramatically smaller...
by Ed Hinerman | May 29, 2009 | diabetes, insurance, life insurance, Type 2 diabetes
American Heart Association twitter this morning, “80% of sudden cardiac arrest victims collapse at home. Are you ready to save someone you love?” It provided a link to a CPR website. This Twitter @HeartofDiabetes is all about education on the link between...
by Ed Hinerman | May 28, 2009 | Dave Ramsey, insurance, life insurance
I will tread carefully with this since the last time I questioned Zander Insurance, well, frankly I kind of over stepped my point and pounded on them a bit. I publicly apologized and we all walked away feeling OK and deciding that while we both believe Dave Ramsey is...
by Ed Hinerman | May 28, 2009 | insurance, life insurance, pilot, private pilots
While the words CEO and flying may cause a little angst among some, the truth is that CEO’s are flying privately more often and whether that is on a corporately owned aircraft, a chartered jet, or their personally owned airplane, it is generally more efficient...
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