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 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...
by Ed Hinerman | Dec 29, 2008 | blood pressure, breast cancer, cancer, cholesterol, diabetes, obesity, Type 2 diabetes
In reviewing my last post concerning some of the changes in underwriting of life insurance that occurred in 2008, I found some parallels between that and some of the most significant medical breakthroughs of the year. Could it be that underwriters are doing their...
by Ed Hinerman | Dec 24, 2008 | bipolar disorder, cancer, Depression, diabetes, heart disease, insurance, life insurance
To all of you have shared in this blog and have helped in our quest to make life insurance less of a mystery and more attainable, Merry Christmas. Whether you have sought our assistance in applying for life insurance that had proved challenging or you just sought us...
by Ed Hinerman | Dec 19, 2008 | cancer, cigar smokers, diabetes, heart disease, Independent agent, insurance, life insurance, smoking, Type 2 diabetes
One of the biggest life insurance rate hits is for those who smoke. There is some logic to that given the link between cigarette smoking and cancer and heart disease, but are the underwriters throwing apples and oranges in the same basket and assuming they all taste...
by Ed Hinerman | Dec 18, 2008 | cancer, conversion, Independent agent, insurance, life insurance, term insurance, universal life, whole life
Term insurance policies have a golden egg buried in them call the conversion option. This option allows you to convert all or part of your term insurance policy into a permanent policy without evidence of insurability. This is huge in several ways. Let’s use me...
by Ed Hinerman | Dec 16, 2008 | cancer, cholesterol, Depression, heart disease, insurance, life insurance
The long standing argument about how much cholesterol is the right amount rages on. For one of my clients it rages on a front that we rarely see. This person has a total cholesterol level of 87. It has been drilled in to most of us that the other end of the spectrum,...
by Ed Hinerman | Nov 26, 2008 | cancer, diabetes, insurance, life insurance, obesity, term insurance
One of the things that is hard to drive home to people who are looking for life insurance is the cost of waiting to correct a situation that is keeping them from the rate class they want. Probably the single issue where this comes up most frequently is obesity. Just a...
by Ed Hinerman | Nov 24, 2008 | cancer, insurance, life insurance
The tools that are available for doctors to investigate our innards these days are the tools of science fiction from my childhood. Back then if you couldn’t figure it out with an x-ray you needed to be cut open. The truth is that even then, even with you laid...
by Ed Hinerman | Nov 19, 2008 | cancer, diabetes, heart attack, insurance, life insurance, obesity
Being in the life insurance business and having been on the business end of passing on checks for death benefits, I have a real sense of just how much life insurance is needed by the families that receive it and a real passion for helping others understand that buying...
by Ed Hinerman | Nov 19, 2008 | cancer, diabetes, heart disease, insurance, life insurance
Impaired risk, an industry term that refers to life insurance on people with significant health issues, cancer, diabetes, heart disease and such, is an area that we have focused on for some time. While the masses and the giant internet agencies flock to the healthiest...
by Ed Hinerman | Nov 10, 2008 | Alcohol Treatment Life Insurance, cancer, cholesterol, diabetes, Drug Treatment Life Insurance, foreign travel, heart attack, heart disease, obesity
They’re the rates you see advertised all the time and they are definitely the rates that everyone would like to be paying for their life insurance coverage. But do you qualify? First let’s dispel with a few old myths. Your age and the amount of insurance...
by Ed Hinerman | Oct 27, 2008 | bipolar disorder, cancer, Independent agent, insurance, life insurance
We certainly have our good days and our bad days in helping those with bipolar disorder obtain life insurance. Fortunately the good does outweigh the bad. I think we do need to throw a reality check water balloon on this party though. I have often mentioned that one...
by Ed Hinerman | Oct 21, 2008 | cancer, insurance, life insurance, prayer
As life goes, I lost the most ardent follower of my ramblings on life insurance via this blog a few days ago. My Father passed away after a two year fight with bladder cancer. He always posted big readership numbers for me in Wyoming and I could always count on his...
by Ed Hinerman | Oct 16, 2008 | breast cancer, cancer, Independent agent, life insurance, prayer
As many of you have so graciously tolerated my use of my Mom’s breast cancer to discuss the life insurance take on the subject, you may remember that prior to Mom, there was Dad and his stage 4 bladder cancer. About a year and a half ago Dad was given a few...
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