by Ed Hinerman | Sep 1, 2007 | Independent agent, insurance, life insurance, women
Yes, I know that there are stay at home dads also, but this run of posts is about women and life insurance. Honestly, the title of stay at home mom is a bit of a misnomer. It should be more like “stay at home, do more jobs than than is humanly possible, while...
by Ed Hinerman | Aug 30, 2007 | cancer, heart disease, Independent agent, insurance, life insurance, prostate cancer
I’ve often written about the fact that smoking generally increases life insurance rates by at least 100%, all else being equal. The average is really closer to 150% to 200%. Some companies are substantially higher than that. Life insurance underwriters...
by Ed Hinerman | Aug 28, 2007 | cholesterol, heart attack, Independent agent, insurance, life insurance, PSA
When it comes to reasons why life insurance quotes change, right up there with being 10 pounds off on knowing your true weight, is not having a clue what your cholesterol is and finding out on the exam that it’s out of whack. So what’s the fuss with...
by Ed Hinerman | Aug 27, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
I know when my father was undergoing radiation treatment for his bladder cancer, I was amazed at the computerized system they had for aiming the radiation exactly where they needed it. One of the down sides to the whole system is the fact that, inspite of the best...
by Ed Hinerman | Aug 22, 2007 | Fat March, Independent agent, insurance, life insurance
The ABC show Fat March is meeting my expectations in that it is bringing attention to the fact that people can get life insurance at affordable rates even if they are overweight. It has also shown that dramatic impact that weight loss can have on life insurance rates....
by Ed Hinerman | Aug 21, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance quotes, life insurance
It’s time I quit beating around the bush about this subject. I get numerous requests for people who are looking for $20,000 of life insurance or less. Generally I am talking about retired folks who only need final expense or burial insurance. Some times health...
by Ed Hinerman | Aug 20, 2007 | diabetes, Independent agent, insurance, life insurance
I was getting an annual physical not too long ago and the doctor was a woman in her 30’s. When she found out I was a life insurance agent she took the opportunity to vent about her husband having recently been declined for insurance due to having bipolar...
by Ed Hinerman | Aug 18, 2007 | Independent agent, insurance, life insurance
I think the easiest way to approach this is to carry $25 million or so and just suggest to your spouse that if you die prematurely, and the $25 million seems too high, give some to charity. Or buy a new spouse with a longer life expectancy!! OK, OK. That really...
by Ed Hinerman | Aug 16, 2007 | Independent agent, insurance, life insurance, term insurance, universal life
I love that saying! I have it hanging in my office. I don’t, however, have much fondness for those that it applies to. It would not be hard, or take long to write a book about stupid, harmful life insurance recommendations made by, and I use this reference...
by Ed Hinerman | Aug 16, 2007 | cancer, Independent agent, insurance, life insurance, stroke
I suspect there isn’t any of us who don’t have a family member or friend who has had breast cancer. The good news from a life insurance standpoint is that breast cancer screening and treatment has improved dramtically, meaning early detection and...
by Ed Hinerman | Aug 15, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
There is no more critical component of life insurance underwriting of prostate cancer than the stage and grade. In the medical world it is often next to impossible to find a simple explanation of anything. I found an article today that explains the whole prostate...
by Ed Hinerman | Aug 13, 2007 | cancer, Independent agent, insurance, life insurance, private pilots, skydiving
I finally got my wife to look the other way while I jumped out of an airplane this year. She’s always so nice about asking me what I want for my birthday, and for the past 5 years I’ve been telling her I wanted to try skydiving and that would be a great...
by Ed Hinerman | Aug 13, 2007 | Independent agent, insurance, life insurance, private pilots
Scuba diving is a topic, or an avocation as they like to put it, that has insurance companies all over the map as far as how it is underwritten. If you are an avid scuba diver, you definitely want to enlist an independent agent to help you find the best life insurance...
by Ed Hinerman | Aug 13, 2007 | cancer, heart disease, Independent agent, insurance, life insurance, stroke, Type 2 diabetes
Just to follow on up on all the discussion that started with my post last week that will follow “Fat March” participants as they lose weight on national TV. I felt it would be informative for anyone who is dealing with weight issues to know that life...
by Ed Hinerman | Aug 9, 2007 | Independent agent, insurance, life insurance
The answer to that question has changed some over the years. In the 70’s the rule was that you could pretty much buy all of the life insurance you could pay for. If you made $20,000 a year and wanted to use half of that to buy a $10 million dollar life insurance...
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