by Ed Hinerman | Mar 16, 2007 | Independent agent, insurance, insurance quotes, life insurance
For those of us who grew up around wilderness areas, “leave no trace” was something we learned early and really took to heart. It meant not only cleaning up after ourselves, but very often cleaning up someone else’s left behinds. Having adequate life...
by Ed Hinerman | Mar 16, 2007 | Independent agent, insurance, insurance quotes, life insurance, term insurance
I know I’ve been guilty of putting off going to the dentist and much to my dismay it ended up costing me much more than I would have liked to pay. Instead of getting my teeth cleaned and checked, and maybe getting a filling, I would end up with a root canal and...
by Ed Hinerman | Mar 15, 2007 | Independent agent, insurance, insurance quotes, life insurance, private pilots, term insurance, universal life, whole life
A large percentage of life insurance customers know very little about the products they are inquiring about. Especially true for first time customers but very often just as true for customers who have purchased before. A quick confession right up front to your...
by Ed Hinerman | Mar 14, 2007 | Independent agent, insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
It’s always a good feeling for me when I do a project around the house and end up not needing everything I’ve purchased. Well anyway, it beats the feeling of coming up short and having to make another trip to the lumber yard or hardware store. At least...
by Ed Hinerman | Mar 14, 2007 | Independent agent, insurance, life insurance, private pilots, term insurance, universal life, whole life
The news from life insurance companies just keeps getting better when it comes to private pilots. More and more companies are softening their stance on the actual mortality risk that this group represents. Of course airline pilots have enjoyed the best insurance...
by Ed Hinerman | Mar 14, 2007 | cancer, coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Go figure how a website can make it to the top of Google under the search “Life insurance for diabetics” and be completely uninformative and actually misleading. They start off with statements like this, “Once a person is diagnosed with diabetes,...
by Ed Hinerman | Mar 11, 2007 | final expense life insurance, Independent agent, insurance, insurance quotes, life insurance
Life insurance companies use criteria such as financial justification and insurable interest to determine how much life insurance they will sell to an individual. Financial justification simply keeps the amount of insurance in proportion to the actual financial loss....
by Ed Hinerman | Mar 10, 2007 | Independent agent, insurance, life insurance, universal life, whole life
Universal Life, Whole life. Sounds like it ought to last forever. Almost without fail the life insurance agent who told you about universal life or whole life led you to believe that it would last forever. An unfortunately large percentage of those agents didnt tell...
by Ed Hinerman | Mar 10, 2007 | Independent agent, insurance, insurance quotes, life insurance
Probably one of the most common surprises and points of contention in life insurance underwriting is when, even though your health is perfect, your life insurance quote changes after you apply because your height and weight (build) weren’t exactly what they...
by Ed Hinerman | Mar 10, 2007 | Independent agent, insurance, life insurance, private pilots, term insurance
It’s interesting to see the debate on this issue. Some states have adopted regulations that don’t allow insurance companies to use foreign travel as criteria for underwriting life insurance. I’m not convinced that is a prudent move. Whenever a health...
by Ed Hinerman | Mar 10, 2007 | coronary artery disease (CAD), heart attack, Independent agent, insurance, insurance quotes, life insurance
You have to love an optimist. I had a call a few years back from a man inquiring about life insurance. As we were going through health questions I asked about cardiac issues and he admitted that he had gone through a two vessel angioplasty after a minor heart attack....
by Ed Hinerman | Mar 9, 2007 | breast cancer, cancer, Independent agent, insurance, insurance quotes, life insurance
Uninsurable and breast cancer used to be synonymous in life insurance, no matter the type, stage or grade. It wasn’t that long ago that cancer of any type was generally talked about in the context of how many weeks or months someone had left to live. Thanks to...
by Ed Hinerman | Mar 9, 2007 | Independent agent, insurance, insurance quotes, life insurance, prostate cancer, PSA, term insurance, universal life, whole life
It was not that long ago that UNINSURABLE was often found in the same sentence with cancer, no matter the type, stage or grade. That was based on the fact that back when I was young people who had cancer, almost any kind of cancer, died from it. It seemed that the...
by Ed Hinerman | Mar 8, 2007 | Independent agent, insurance, life insurance
You can’t miss them. Do any kind of life insurance search and you will find them right at the top of the page because they have the money to get there. Whether it is Selectquote, Reliaquote or Insweb, they got their by grinding out hundreds of thousands of life...
by Ed Hinerman | Mar 7, 2007 | Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance, universal life
I’ve found that one of the hardest things to decide when getting quotes for term life insurance is what term length is best. The reason it’s such a challenge is that the truth is that not all of our needs go away at once. A good independent life insurance...
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