by Ed Hinerman | Oct 14, 2007 | estate taxes, insurance, life insurance
Writing a check for your life insurance premium may not be up there with getting a hot stick poked in your eye, but it certainly isn’t as soothing as writing a check for a Carribean vacation either. So, if I asked you this. Do you like writing checks to the IRS?...
by Ed Hinerman | Oct 14, 2007 | cholesterol, high blood pressure, insurance, life insurance, stroke
A TIA (Transient ischemic attack), or mini stroke, is generally a disurbing, but not life threatening or even lifestyle threatening event. It generally incurs a night at the hospital and a recommendation for followup testing and possible treatment. In most cases there...
by Ed Hinerman | Oct 12, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance
One of the downsides to the cost of business buy/sell or cross purchase plans is that the cost of the life insurance premium is not income tax deductible. All of us in business know that we really would like air to be deductible if it could be arranged. Let me qualify...
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 12, 2007 | insurance, life insurance, private pilots
About two-thirds of all private pilots belong to the AOPA, Aircraft Owners and Pilots Association. The AOPA is a self proclaimed advocacy group for pilots. One of the things they have pushed for years is life insurance through AOPA, underwritten by Minnesota Life. I...
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 11, 2007 | diabetes, high blood pressure, hypertension, insurance, life insurance, obesity, Type 2 diabetes
I have often discussed type 2 diabetes and the complication of developing high blood pressure along with it. The two, from a life insurance underwriting standpoint, are not a good mix. Now comes a very extensive study that shows a distinct link between women who have...
by Ed Hinerman | Oct 11, 2007 | cholesterol, insurance, life insurance
Had I known about National Cholesterol Month, we could have taken the whole month off instead of just Labor Day. Seriously though, cholesterol has to be ranked right up there with high blood pressure as one of the silent killers. I believe I mentioned in a post not...
by Ed Hinerman | Oct 10, 2007 | Biggest Loser, cancer, diabetes, heart disease, insurance, life insurance, obesity
A lot more weight loss this week. They did it while on vacation in Jamaica. Congratulations to all of them. I can tell you that I’ve certainly never lost weight on a tropical vacation. Again, the drama and game of the show is not my focus. Obesity carries some...
by Ed Hinerman | Oct 10, 2007 | breast cancer, cancer, heart disease, insurance, life insurance
To some oncologists it appears to be a case of “the cure is worse than the disease”. There may be a link to one type of chemotherapy and the increased risk of heart disease in women who have already won one battle. Drugs call anthracyclines are a breast...
by Ed Hinerman | Oct 9, 2007 | breast cancer, cancer, insurance, life insurance
Since it is breast cancer awareness month and since breast cancer and life insurance is an issue that is visited frequently on our website, I thought I would just recap some of the things we know about it and how life insurance underwriters view it. Breast cancer is...
by Ed Hinerman | Oct 9, 2007 | insurance, life insurance
There is a very real problem when it comes to the estates of “non-traditional” couples. Laws are written and uphold the estate laws for traditional married couples, but those laws don’t offer the same estate protection for other couples. Without...
by Ed Hinerman | Oct 9, 2007 | Biggest Loser, insurance, life insurance, term insurance
After episode 3’s relatively low weight loss, except for the red team, weight starting falliing off again. Again, my goal with this blog is not to talk about the drama of the game, but rather the health and life insurance aspects of weight loss. With each weigh...
by Ed Hinerman | Oct 8, 2007 | insurance, life insurance, universal life
Let me make something perfectly clear… again. Almost all life insurance is purchased to protect your family against an untimely death. If you knew when and how your death was going to happen it might render a lot of life insurance unnecessary, or perhaps more...
by Ed Hinerman | Oct 8, 2007 | diabetes, insurance, life insurance
How many times have you heard it from me (and I’m still young…sorta)? Life insurance underwriters look at diabetes through a set of glasses with CONTROL written on the lenses. On a life insurance exam glucose levels, for someone without diabetes, over 109...
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