by Ed Hinerman | Nov 13, 2007 | Independent agent, insurance, life insurance, universal life
If you have parents in their 50’s through early 70’s and you don’t know what they have in place for life insurance, ask. Why that age group? They are generally still young enough to get affordable insurance, and they seem to be an age group that...
by Ed Hinerman | Oct 30, 2007 | cholesterol, heart disease, Independent agent, insurance, life insurance
What if your father died at age 52 of a heart attack? He was overweight. He smoked and led a sedentary lifestyle. He simply didn’t do anything to take care of himself and appears to have paid the price. Now there is you. Never smoked. Never drank. You get plenty...
by Ed Hinerman | Oct 28, 2007 | diabetes, heart attack, Independent agent, insurance, life insurance, prostate cancer
Mitral valve prolapse sounds a little ominous, and to see the knee jerk reaction some life insurance companies have when they underwrite it, you would swear it was right up there with heart attacks. Not so. Mitral valve prolapse is simply a slight thickening in one of...
by Ed Hinerman | Oct 25, 2007 | breast cancer, cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, private pilots
In an effort to serve more completely the needs of those whose health can make getting affordable life insurance a challenge, Hinerman Group is moving ahead with new “health challenge specific” websites. My passion has always been to foster discussion and...
by Ed Hinerman | Oct 24, 2007 | breast cancer, cancer, Independent agent, insurance, life insurance, obesity
Obesity, which often leads to heart disease, the number one killer of women, has now been linked to the number two cancer in women, breast cancer. Let’s be frank about this. I am constantly reading studies and articles and I have yet to find anything that would...
by Ed Hinerman | Oct 19, 2007 | foreign travel, Independent agent, insurance, life insurance
When you hear about life insurance company concerns with foreign travel, do you ever wonder where they draw the line? I recently shopped for coverage on a corporate jet pilot that did a fair amount of overseas flights. The best offer came back with the caveat that...
by Ed Hinerman | Oct 16, 2007 | Anxiety, cancer, Depression, diabetes, DUI, heart attack, Independent agent, private pilots, prostate cancer, Sleep apnea
The Rock!! I bring Pru up every once in a while simply because they seem to be a company that is out to make a difference in the life insurance business. Other companies are competitive, and Prudential isn’t the answer to every life insurance question, but they...
by Ed Hinerman | Oct 12, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, whole life
There are life insurance agents and there are people who also sell life insurance. What does that small difference mean to you? I talk with my Farmers agent every so often about my auto or homeowners and he inevitably asks how business is going. It really leaves him...
by Ed Hinerman | Oct 11, 2007 | Anxiety, Attention Deficit Disorder, Depression, Independent agent, insurance, life insurance
If asked what the drug of the 90’s was, my guess is that most answers would sway to the wrong side of the alley and go with crack or methamphetamines. Being the cleancut, right side of the alley kind of guy, my vote went to Prozac. I was researching the...
by Ed Hinerman | Oct 7, 2007 | estate taxes, Independent agent, insurance, life insurance, term insurance, universal life
Most life insurance trusts are funded by permanent insurance, either universal life or whole life. This is generally not an inexpensive proposition, but compared to estate taxes, by far the smaller hit. I mentioned in a previous post that the ownership of a policy...
by Ed Hinerman | Sep 26, 2007 | Anxiety, Depression, Independent agent, insurance, life insurance
Life insurance underwriters have their hands full trying to sort through all of the possibilities with an applicant suffering an anxiety disorder. I had in my mind that it was just this simple. People had depression and they were down. People had anxiety disorders and...
by Ed Hinerman | Sep 18, 2007 | diabetes, Fat March, high blood pressure, Independent agent, insurance, life insurance, obesity
In a series of blogs I followed an ABC reality show called Fat March. One of the participants on that show, Loralie, was there for the express purpose of losing weight because she and her husband wanted to have a baby. At 241 pounds when she started, her doctor...
by Ed Hinerman | Sep 8, 2007 | cancer, Independent agent, insurance, life insurance, term insurance
It’s been another one of those weeks where people seem to be out to overthrow logic with, well, illogical thinking. It was about a tie between the insurance companies and those considering buying life insurance. They both seem to have a common flaw in the way...
by Ed Hinerman | Sep 7, 2007 | cholesterol, heart disease, Independent agent, insurance, life insurance
Cholesterol, as I’ve mentioned before, is one of the two leading causes of surprise insurance quote changes. The other is not really knowing what your weight is. A good guess only lasts until the examiner pulls out the scale. But, are insurance companies...
by Ed Hinerman | Sep 5, 2007 | bipolar disorder, Independent agent, insurance, life insurance
I’m seeing this headline in the New York Times that is talking about a “40 fold” increase in the diagnosis of children with bipolar disorder in the period between 1994 and 2003. We’re not talking about a 40% increase. The article is saying that...
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