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...
by Ed Hinerman | Mar 19, 2009 | insurance, John Hancock, life insurance, Protective Life, Prudential, term insurance, universal life, whole life
With the latest news coming today it is no longer conjecture on my part. The downward trend of the past 15 years in life insurance has hit bottom. ING Reliastar today announced increases in their term insurance rates. I guess the only good news coming from them is...
by Ed Hinerman | Mar 19, 2009 | breast cancer, cancer, insurance, life insurance
Breast cancer has been a source of ongoing discussion and some great victories over the past five years in life insurance. Earlier detection and advanced treatment has helped underwriters take a more aggressive stance and provide better offers than ever before. Having...
by Ed Hinerman | Mar 19, 2009 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Big news yesterday. Two studies that have been going on over the last 10 years threw a lot of doubt as to the value of the PSA (prostate specific antigen) test as it pertains to prostate cancer. Are the recommended annual tests going to go by the wayside and what...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Mar 18, 2009 | income replacement, insurance, life insurance, Protective Life, term insurance
Within the past few weeks West Coast Life and Protective Life have announced a new term insurance product that, well, may be OK for some purposes. There are definite upsides, but a few downsides from where I stand. The product’s main feature is that it...
by Ed Hinerman | Mar 17, 2009 | death benefit, income taxable, insurance, life insurance, universal life, whole life
Life insurance has been afforded a special place and special treatment in the tax codes for a long time. Both federal and state entities have long recognized the social importance served by life insurance, which provides families with peace of mind through immediate...
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