by Ed Hinerman | Jan 31, 2009 | insurance, life insurance, term insurance
“Should I have life insurance?” The determining question for me is the presence of a need that can’t be met in another way. In a world that is defined a little more each day by I, me, mine, there is a tendency to dismiss the impact that our premature...
by Ed Hinerman | Jan 30, 2009 | insurance, life insurance, term insurance, universal life, whole life
This is a good time to consider how you are paying for your life insurance because as this recession deepens, strict budgeting is becoming more and more a necessity. When it comes to life insurance bills there are definitely different feelings about how often and how...
by Ed Hinerman | Jan 29, 2009 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
I was given a preview of some upcoming changes in diabetes, both type 1 and type 2, life insurance underwriting yesterday. This could open a whole new chapter for some folks that have been shut out due to the high cost or not even being considered based on the type of...
by Ed Hinerman | Jan 29, 2009 | buy/sell life insurance, insurance, life insurance
I wrote some time back about the problems that can potentially occur when a person has life insurance with someone who is not related as the beneficiary. The potential problem only exists during the two year incontestability period when part of the claim process...
by Ed Hinerman | Jan 28, 2009 | cancer, cholesterol, heart disease, insurance, life insurance, mortality, smoking
2001 brought good news for the insurance industry and the consumers of that industry as the new CSO (Commissioner’s Standard Ordinary) 2001 mortality table was released and put into use in determining life insurance rates. By the way, if you haven’t poked...
by Ed Hinerman | Jan 27, 2009 | insurance, kidnap, life insurance, ransom, travel insurance
A client of mine called the other day and asked if I could track down some kidnap insurance for his top executives. They have a very successful world wide company and their success has started to expose them to the realities of being American in places where our...
by Ed Hinerman | Jan 27, 2009 | application process, life insurance, life insurance lapse
One of the hardest decisions when searching for term life insurance is deciding what term length is the best for your needs. The term is the number of years a policy is guaranteed to have a level premium and a level death benefit. It is important for you to know that...
by Ed Hinerman | Jan 27, 2009 | cancer, heart attack, insurance, life insurance, mortality risk
I rant. I rave. I scream from the rafters. The point I keep making about people’s mortality hit home again for me over the weekend when a 51 year old friend of mine died suddenly at home. Danny was just too young to die. He was too active to die. When I was...
by Ed Hinerman | Jan 23, 2009 | cancer, Independent agent, insurance, life insurance
When most people think about shopping for insurance, they think in terms of getting opinions from multiple agents. The real bang for your buck value comes from having an independent agent informally shop your case through multiple companies. Case in point. I had a...
by Ed Hinerman | Jan 20, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, variable universal life, whole life
I would like nothing more than to be blogging today to humbly admit that I had cried wolf and that all of my screaming about non guaranteed life insurance teetering on the precipice was wrong, but…….. I spoke with a client looking for term insurance about...
by Ed Hinerman | Jan 19, 2009 | insurance, life insurance, liver functions
“Life insurance companies are just trying to figure out a way to raise my rates. My doctor says there’s nothing wrong with my …….”. It’s a real dilemma. Who do you trust? The doctor that’s known you for years and you pay the...
by Ed Hinerman | Jan 17, 2009 | insurance, life insurance, term insurance
Not a week goes by that I don’t get to have the “reality” discussion with someone about the fact that life insurance rates have been dropping steadily over the past 10-15 years. That fact is absolutely 100% true for some people. First, the biggest...
by Ed Hinerman | Jan 16, 2009 | Anxiety, bipolar disorder, blood pressure, Depression, heart attack, high blood pressure, obesity, Sleep apnea, stroke
Up until a few years ago sleep apnea, even well controlled with a cpap, was just one of those health issues that you could expect wouldn’t get much better than a standard plus approval from the best of life insurance underwriters. The same could be said of...
by Ed Hinerman | Jan 15, 2009 | insurance, life insurance, scuba diving, skydiving
You’ve got some good news and you’ve got some bad news when it comes to life insurance underwriting for scuba divers. The good news is that there are still plenty of opportunities out there for preferred plus and preferred rates for those recreational...
by Ed Hinerman | Jan 15, 2009 | cancer, pilot, private pilots, stroke, student pilot, term insurance
One in six men who reach age 26 in our country will not make it to age 64. For women it is one in nine. I live in a small town in the “Heart of the Rockies”, Salida, Colorado. Around here when someone passes away, everyone knows it. When someone passes...
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