by Ed Hinerman | Aug 9, 2007 | Independent agent, insurance, life insurance
The question comes up with some frequency. Someone is pregnant and it suddenly dawns on them that life insurance is a good idea because there’s going to be this little “insurable interest” (industry term) running around before long. Can I get life...
by Ed Hinerman | Aug 8, 2007 | diabetes, heart disease, Independent agent, insurance, life insurance, obesity
After being beat up by a body mass index calculator yesterday, I have found an ally in my new found health problem. While life insurance underwriters still take a stance that obesity and some of it’s ugly cousins, diabetes and heart disease, are not going to get...
by Ed Hinerman | Aug 7, 2007 | basal cell carcinoma, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
While it may be too late for those of us who grew up in the 50’s and 60’s, wearing our sunburns with pride, using sunscreen can certainly cut down on future cases of skin cancer. We have gone over the life insurance underwriting differences of the three...
by Ed Hinerman | Aug 7, 2007 | diabetes, Independent agent, insurance, life insurance, private pilots, Sleep apnea, Type 2 diabetes
There is a misconception in life insurance that there is a common thread running through all the companies and kind of like buying hamburgers, they’re all pretty much the same and all of them charge about the same. The truth is that the differences between life...
by Ed Hinerman | Aug 5, 2007 | foreign travel, Independent agent, insurance, life insurance
A recent article by the Anti-Defamation League expressed their pleasure about AIG, American General’s assertion that they do offer life insurance coverage for people who travel to Israel. This peaked my interest as I have run into some rather squirrelly foreign...
by Ed Hinerman | Aug 3, 2007 | income replacement, Independent agent, insurance, life insurance
Originally posted 8/11/2007, updated 11/23/2019 Part of the whole life insurance equation that people get hung up on is how much life insurance is enough. There are life insurance calculators like the one below that can help, but the best process is a good old...
by Ed Hinerman | Aug 3, 2007 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
As promised yesterday in reference to the Top 5 reasons people don’t buy life insurance they know they need, one of the reasons cited was “Have other financial priorities”. The bottom line, and I have this discussion almost every day with clients, is...
by Ed Hinerman | Aug 1, 2007 | Independent agent, insurance, life insurance, obesity, term insurance
At least one life insurance company out there has come to grips with and made a positive allowance for the fact that as we get older, most of us tend to weigh a little more than we did in our 40’s and 50’s. This is certainly not to say that Prudential has...
by Ed Hinerman | Jul 30, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer
I recently worked with a client who, seven years after his radical prostatectomy for prostate cancer, once again had a detectable and rising PSA. This news was discovered from the lab results on an insurance exam. While his PSA wasn’t high, in the absence of a...
by Ed Hinerman | Jul 28, 2007 | Independent agent, insurance, life insurance
When doing a needs analysis for life insurance, one of the most critical factors is replacement of income. Normally when we think about replacement of income we are looking at what it would take to replace $25,000 or $100,000 a year. In the case of pro athletes, with...
by Ed Hinerman | Jul 27, 2007 | diabetes, Independent agent, insurance, life insurance, Type 2 diabetes
Writing life insurance in New York is challenging on a good day. New York has only recently stepped into the last century as far as insurance law and available products. With the challenges in underwriting life insurance for diabetics, it would behoove someone to drag...
by Ed Hinerman | Jul 26, 2007 | diabetes, hepatitis, Independent agent, insurance, life insurance, liver functions
Hep C is the most common chronic blood borne infection in the United States. The insidious nature of the disease is such that often people will not experience symptoms for years, even decades, after they are infected. Life insurance underwriting for Hep C is a careful...
by Ed Hinerman | Jul 26, 2007 | Independent agent, insurance, life insurance, term insurance, whole life
I promised myself and my wife that I would try to remain calm about my opinions, even when my face is turning red, but AARP, the advocate for us old folks, is plain and simple giving bad life insurance advice. And frankly, giving bad advice if you are holding yourself...
by Ed Hinerman | Jul 25, 2007 | heart disease, Independent agent, insurance, life insurance, private pilots, universal life
Along with the changes of the last few years in life insurance underwriting has come some serious scenery changes in the companies. There has been a rash of large companies gobbling up smaller companies and in some cases large companies gobbling up large companies....
by Ed Hinerman | Jul 25, 2007 | cholesterol, high blood pressure, Independent agent, insurance, life insurance
I promised in a post yesterday to shed some light on the changes that have impacted life insurance underwriting over the past two years. The life insurance business and life insurance underwriting have undergone dramatic changes over the past two years. It has changed...
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