by Ed Hinerman | May 28, 2010 | insurance, life insurance
Checking my Google Alerts today I came across an article written by the guru of Accuquote, Byron Udell. The premise of his article was that you should always take advantage of the temporary life insurance agreement when applying for a new life insurance policy. He...
by Ed Hinerman | May 27, 2010 | insurance, life insurance
I’ve heard the excuses for not getting that life insurance bought, and I’ve had plenty of people not return calls because they know their excuses are lame. I want to put it off until I lose a little more weight! I don’t want to apply until I’ve...
by Ed Hinerman | May 26, 2010 | death benefit, insurance, life insurance
There is one question that keeps nagging at the periphery of everyone’s thought process when they purchase life insurance. Is the company really going to write a check to my beneficiary when I die? It’s a fair question and not a paranoid thought,...
by Ed Hinerman | May 25, 2010 | blood pressure, high blood pressure, hypertension, insurance, life insurance
I had a screening not too long ago of my carotid artery for any blockage. They also checked the aorta for any sign of aortic aneurysms, and my blood pressure was measured on both arms and both legs to check for any indication of peripheral vascular disease or...
by Ed Hinerman | May 21, 2010 | insurance, life insurance, universal life
I was discussing indexed universal life insurance products with another agent today and our combined conclusion is that most of the companies that are offering it seem to have forgotten that bad things can happen in our country’s economy. But just for the sake...
by Ed Hinerman | May 21, 2010 | bipolar, bipolar disorder, insurance, life insurance
I’m working with a new client who ran head long into an all too common source of being declined for life insurance, company sponsored group life insurance. Her issue? Arguably one of the mildest cases of bipolar disorder I’ve worked on. To be sure, almost...
by Ed Hinerman | May 20, 2010 | insurance, life insurance
LIMRA surveys continue to show that most people (at least the grown up variety) agree that they need life insurance. The reason most often cited for not following through on that determination…..they’ve never been approached by anyone to talk about it. Not...
by Ed Hinerman | May 19, 2010 | insurance, life insurance, term insurance, universal life
Genworth Life and Annuity recently unveiled its’ new “Term/UL” product, a term life insurance policy in a lot of ways that seems to have some advantages and disadvantages for consumers and for Genworth. How is it the same as a traditional term...
by Ed Hinerman | May 18, 2010 | diabetes, heart attack, insurance, life insurance
I know I’ve beat this drum before, but there is a real propensity in the life insurance business for agents to be so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the...
by Ed Hinerman | May 14, 2010 | insurance, life insurance, life settlements
The used car lot of the life insurance business. The lot where the worse shape the trade is in, the higher the trade in value. The market I’m talking about is what I believe is going to end up being the life insurance industry’s biggest black eye and...
by Ed Hinerman | May 13, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
In a post not too long ago I talked about a case that I had shopped. My email to the various underwriters noted “39 year old male, 5’10, 148, non smoker. Diagnosed type 1 diabetes 2005. Compliant on testing, followup, and treatment. A1c has always been...
by Ed Hinerman | May 12, 2010 | estate taxes, insurance, life insurance
History is littered with examples of poor life insurance and estate planning, and examples of how a lack of attention and review completely negates good planning. Now I’m guessing that there aren’t a lot of pro football team owners reading this, but the...
by Ed Hinerman | May 11, 2010 | insurance, life insurance, obesity
An often discussed life insurance risk factor in this forum is obesity. There is not shortage of evidence that carrying too much load is hard on your body, taking blame for everything from diabetes to cancer. This is plenty of reason for underwriters to take build...
by Ed Hinerman | May 6, 2010 | cholesterol, insurance, life insurance
I have a client who is an internal medicine doctor. It is his opinion that the importance of cholesterol levels and their relevance to potential coronary artery disease are overstated. This is problematic for him (and his patients) when it comes to acquiring life...
by Ed Hinerman | May 4, 2010 | insurance, life insurance
Men are a never ending source of amazement to me. Men who are husbands, fathers or businessmen, the kind of men that you would think would wake up each day understanding who and what depends on them, seem to think that life insurance is a waste of money. What ever...
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