by Ed Hinerman | Jan 14, 2010 | Anxiety, insurance, life insurance
USAA is one of the biggest insurance companies in the country. Their ratings are enviable and their reputation is impeccable, except for one large chink in their armor. They stink at underwriting. Like a lot of large auto and homeowners insurance companies, USAA makes...
by Ed Hinerman | Jan 14, 2010 | insurance, life insurance
My office has a large parking lot and we’re next door to the largest church in town. They’ve been wonderful neighbors and have had permission for as long as we’ve been here to use our parking lot for overflow. Unfortunately the most common reason for...
by Ed Hinerman | Jan 13, 2010 | insurance, life insurance, prostate cancer, PSA
We’ve covered a lot in the past on the life insurance underwriting of prostate cancer. Prostate cancer is one of those good news/bad news events in the cancer world. Prostate cancer is the second most prevalent cancer among men, surpassed only by skin cancer. It...
by Ed Hinerman | Jan 12, 2010 | estate taxes, insurance, life insurance
With all of the focus on federal estate taxes and well, the fact that currently there isn’t one, before celebrating and canceling your life insurance, those with large estates might want to check and see how hard your state might bite into your estate through...
by Ed Hinerman | Jan 11, 2010 | insurance, life insurance
Genworth Life, the former First Colony branch of GE Financial slipped under the radar of a lot of us in the business with a major change in their build chart. The new chart was actually released in late October but really didn’t start getting any attention until...
by Ed Hinerman | Jan 9, 2010 | insurance, life insurance
Colorado is the leanest state in the country. Of all the states we have the lowest average BMI, attributable to the abundance of truly awesome outdoor activities available. But, from a life insurance standpoint the companies have figured out a way to take the wind out...
by Ed Hinerman | Jan 7, 2010 | insurance, life insurance, New York Life
I want to confess right up front that the title to this post is plagiarized from a New York Life article where they do their best to make the case that bells and whistles and an agent in your home are worth the higher cost for their product. I’ve only been to...
by Ed Hinerman | Jan 7, 2010 | AARP, insurance, life insurance
January 7 and I have already received several emails and a mailing from AARP basically asking me if I have somehow missed the last 200 attempts to get me to buy life insurance from them. I see the way my Mom trusts AARP, not a view shared by my Dad when he was still...
by Ed Hinerman | Jan 6, 2010 | cancer, insurance, life insurance
I worked on an interesting case several years ago, a doctor who had a history of high grade non Hodgkin’s Lymphoma. He had undergone chemo and radiation and had not had a recurrence in several years, I think it was six at the time. What made the case a little...
by Ed Hinerman | Jan 5, 2010 | insurance, life insurance
I wrote a post sometime back about an experience that a now client of mine had with Selectquote. In a nutshell they gave him a quote and then after he had taken his exam they changed the quote, not based on the exam but on information they already had. They then told...
by Ed Hinerman | Jan 5, 2010 | insurance, life insurance
I had been asked to write a series of articles for a website called Opposing Views, a site that creates the opportunity for debate by citing an expert on a question and allowing the public at large to take on the opposing view. Because of my passion for what I do and...
by Ed Hinerman | Jan 4, 2010 | A1c, bipolar disorder, insurance, life insurance
There are plenty of people who would argue that 2009 could have been flushed down the toilet and not missed, and my prayers go out to all of those whose lives were derailed by the recession. For those I wish a dramatically better new year. But, when it comes to life...
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