by Ed Hinerman | Dec 30, 2011 | Infinite banking, insurance, life insurance, term insurance, universal life, whole life
I was talking with a life insurance agent friend of mine the other day. He had called to ask me about my ongoing research and interest in the infinite banking or being your own banker concept. He thought there was another route I might want to look at. This agent...
by Ed Hinerman | Dec 29, 2011 | insurance, life insurance
I swear there is full blown conspiracy going on to keep people from having in force life insurance. The conspirators? The life insurance companies and the US Postal service are certainly complicit. This hits hard at a pet peeve of mine anyway. What is with our country...
by Ed Hinerman | Dec 27, 2011 | insurance, life insurance, prostate cancer, PSA
Prostate cancer, we’ve all heard at one time or another, is something that virtually every man will have at some point in his life. While only one in five or so of us guys will ever be diagnosed with prostate cancer, the other four, according to theory and...
by Ed Hinerman | Dec 26, 2011 | court ordered life insurance, insurance, life insurance
For those paying child support or alimony, the court may have also ordered that you carry life insurance for a specified period of time to make sure the commitment is met even if you’re not around to meet it. Most of the calls I get concerning purchasing court...
by Ed Hinerman | Dec 22, 2011 | Anxiety, bipolar, bipolar disorder, decline, insurance, life insurance
I think it’s happened to all of us at one point or another. We go to a doctor or a counselor and they come up with a diagnosis that is so far out of context that you can’t understand how they got from point A to B. There is a very natural tendency,...
by Ed Hinerman | Dec 20, 2011 | conversion, insurance, life insurance, term insurance
I would be the first to insinuate that the agent that sold that term policy to you has a better chance of being in another profession now than not. Good reality check. When was the last time they called you just to let you know they are there if you need them? Far too...
by Ed Hinerman | Dec 19, 2011 | cholesterol, insurance, life insurance
I remember a few years ago when my wife was running scared because her cholesterol on the results from our community health fair were over 200, just barely. Her HDL was 60. She might die from worrying, but her arteries weren’t plugging. Late last week I had a...
by Ed Hinerman | Dec 16, 2011 | A1c, cholesterol, Depression, diabetes, insurance, life insurance
On the subject of fair life insurance underwriting I can certainly be found on both sides of he fence. Sometimes I think the underwriting consideration is completely fair, something that based on the information is something the client is just going to have to accept....
by Ed Hinerman | Dec 14, 2011 | insurance, life insurance, melanoma, pilot, private pilots, Type 1 diabetes
What a crazy year for underwriting life insurance. There have been shifts all over the map from type 1 diabetes to melanoma history, with some of the best news coming for private pilots. It’s been quite a while since we’ve had as many solid players in the...
by Ed Hinerman | Dec 13, 2011 | A1c, budget, diabetes, insurance, life insurance
I got an email from some clients a few days ago. In spite of their best efforts their small business had fallen off so badly a few years ago that the husband made the decision to let the life insurance they had in force lapse. I’ve been staying in touch waiting...
by Ed Hinerman | Dec 12, 2011 | business life insurance, Infinite banking, International Business insurance, term insurance
I know that when I am shopping for something, for instance a car, I am very straight forward, even blunt, about what I want and how much I am willing to spend. I let the sales person know that it’s OK if they can’t meet my needs, but that changing anything...
by Ed Hinerman | Dec 12, 2011 | Anxiety, gastric bypass, insurance, life insurance
When I came up with a title for this post it made me chuckle. It seemed so familiar….but we’re not talking about my granddaughter. This is about life insurance and specifically the negative impact you can have on your application by not following through...
by Ed Hinerman | Dec 9, 2011 | A1c, diabetes, foreign nationals, Infinite banking, insurance, life insurance, prostate cancer, Sleep apnea
I’ve been writing long enough that I am bound to be a little redundiferous at times, but I don’t think it can be said too many times. If you use the wrong agent to buy life insurance, who picks the wrong company for your situation, you will not enjoy a...
by Ed Hinerman | Dec 7, 2011 | business life insurance, buy/sell life insurance, cancer, Foreign National Life Insurance, foreign nationals, Infinite banking, insurance, life insurance, whole life
Big giant disclaimer. We have found several highly rated US life insurance companies that will write foreign nationals living in the US and foreign nationals living outside the US. I have kept this fairly low key until I worked through a few cases, one in Jamaica, one...
by Ed Hinerman | Dec 6, 2011 | cholesterol, Independent agent, insurance, insurance quotes, life insurance
Where has our American “get er done” philosophy gone? It seems like I run into cases everyday where a person’s life insurance agent gives up if they application is not approved at the rate they thought their customer would get, or even declined. I...
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