by Ed Hinerman | Jun 14, 2007 | business life insurance, buy/sell life insurance, Independent agent, insurance, life insurance
Most small businesses, which provide the majority of employment, kind of fly by the seat of their pants when it comes to the area of life insurance and a business continuation plan. Just some food for thought. In the US today, you are more likely than not to either...
by Ed Hinerman | Jun 13, 2007 | foreign travel, Independent agent, insurance, life insurance, skydiving
The discussion went smoothly. A family from Georgia, the wife looking for insurance to replace a term policy on her husband that was coming to the end of the guarantee. Good health. A little family history hiccup, but not a big deal. Then I asked about foreign travel...
by Ed Hinerman | Jun 11, 2007 | heart attack, high blood pressure, hypertension, Independent agent, insurance, life insurance, stroke
When faced with the reality that life insurance rates are going to be higher than expected due to high blood pressure readings on an insurance exam, denial is the mode of the day. People don’t deny that their blood pressure was high. It just follows that there...
by Ed Hinerman | Jun 7, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, Type 1 diabetes, Type 2 diabetes
There are many health things in life that just jump up and grab you. You never see it coming and you would have never dreamed of the impact it could have on your life. The question inevitably runs through your mind. What did I do to deserve this? What could I have...
by Ed Hinerman | Jun 1, 2007 | Alcohol Treatment Life Insurance, breast cancer, cancer, guaranteed issue life insurance, heart attack, Independent agent, insurance, life insurance, Type 2 diabetes
I think I’ve mentioned before that there is a real propensity in the life insurance business for agents to be so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the job....
by Ed Hinerman | May 30, 2007 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, Independent agent, insurance, life insurance, term insurance, universal life
Whether it is youthful indiscretion or taking the wrong route in dealing with with real life grown up issues, alcohol and drug abuse are no stranger to anyone. If we haven’t been there ourselves, we certainly know of someone who has. Some never get past it....
by Ed Hinerman | May 26, 2007 | accelerated death benefit, cancer, Independent agent, insurance, life insurance, stroke
Terminal illness! How many times a day is a person told, or a family told that a person only has months to live? Often this news comes after a stroke that requires extensive medical care in ICU, or after a long battle with cancer. Medical bills pile up and, because...
by Ed Hinerman | May 24, 2007 | Independent agent, insurance, life insurance, private pilots
Private pilots are often caught in a dilemma when buying life insurance, a dilemma that can be overcome if you use an independent agent with experience in working with pilots. The dilemma is that most companies want you to fly the number of hours they feel it takes to...
by Ed Hinerman | May 23, 2007 | diabetes, heart disease, high blood pressure, hypertension, Independent agent, insurance, life insurance, stroke
Well, I guess that depends on the context of the question! I’ll break it into two parts and see if we can make some sense of it. We’ve all had our blood pressure taken at some time and we know that there is the top number (systolic) and the bottom number...
by Ed Hinerman | May 18, 2007 | Independent agent, insurance, life insurance
Since 9/11, in fact starting that day, the question of whether life insurance covers you if you die during an act of terrorism or war has come up often. No doubt that we all feel more vulnerable since that day, but the answer from all the insurance companies I talked...
by Ed Hinerman | May 17, 2007 | Independent agent, insurance, life insurance, term insurance
So many out there assume they are all set because their job offers this great group life insurance plan. Now don’t get me wrong. If it’s inexpensive I think you ought to take advantage of that. What I’m talking about is putting all of your eggs in...
by Ed Hinerman | May 15, 2007 | cancer, coronary artery disease (CAD), diabetes, heart disease, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
When completing a health interview before receiving a life insurance quote from your independent life insurance agent, you will be asked a family history question. Most companies want to know if any member of your immediate family (defined as mother, father and full...
by Ed Hinerman | May 12, 2007 | cancer, coronary artery disease (CAD), Depression, Independent agent, insurance, life insurance, Type 2 diabetes
I read an interesting blog on www.thediabetesblog.com today written by Chris Sparling. Citing a study done by Northwestern University, he takes exception to their conclusion that depression can cause diabetes. My take on that is that it is probably the other way...
by Ed Hinerman | May 11, 2007 | Independent agent, insurance, life insurance
Probably the most disgruntled life insurance clients get is when they are told that their insurance is going to cost more because their estimate of their weight was off, or they weren’t really 5’9, but 5’8 1/2 (which examiners round down, not up)....
by Ed Hinerman | May 4, 2007 | coronary artery disease (CAD), Independent agent, insurance, stroke, Type 2 diabetes
According to the American Diabetes Association website, www.diabetes.org, the numbers of those with diabetes are growing by leaps. “There are 20.8 million children and adults in the United States, or 7% of the population, who have diabetes. While an estimated...
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