by Ed Hinerman | Oct 8, 2007 | Biggest Loser, cancer, diabetes, heart disease, insurance, life insurance, obesity
Yes, I know I’m a week behind on tracking the Biggest Loser stats, and I promise to have all the new numbers posted before tomorrow’s show. I have been attempting to reach someone connected to the NBC Biggest Loser reality weight loss show concerning their...
by Ed Hinerman | Oct 7, 2007 | insurance, life insurance
Well, back from vacation and ready to talk about life insurance from every angle possible……..starting tomorrow. Vacation was great. Time with just my wife and myself was awesome. Didn’t have to use our life insurance and that’s a good thing....
by Ed Hinerman | Oct 7, 2007 | cancer, diabetes, heart disease, insurance, life insurance, obesity
I met a guy in Hatch, Ut the other day along our way to Bryce and Zion National Parks. He had a compelling story to tell about beating obesity and how it saved his life. He had lived most of his life in Branson, MO and about five years ago had decided to end annual...
by Ed Hinerman | Oct 7, 2007 | estate taxes, Independent agent, insurance, life insurance, term insurance, universal life
Most life insurance trusts are funded by permanent insurance, either universal life or whole life. This is generally not an inexpensive proposition, but compared to estate taxes, by far the smaller hit. I mentioned in a previous post that the ownership of a policy...
by Ed Hinerman | Oct 7, 2007 | estate taxes, insurance, life insurance
As explained in a previous post, if the owner of a policy sets up a life insurance trust and changes the ownership and beneficiary to the trust, and a death occurs within three years of that change, the IRS will roll the clock back to original ownership and...
by Ed Hinerman | Oct 1, 2007 | diabetes, high blood pressure, insurance, life insurance, obesity
In my work with people who are diagnosed with type 2 diabetes, there have been many times that they have been able to get the condition under control with diet and exercise. Sometimes they start with medication, but eventually the good forces of a healthy diet and...
by Ed Hinerman | Oct 1, 2007 | diabetes, heart disease, high blood pressure, insurance, life insurance
So here I am, sitting in a hot spring pool with my wife in Ouray, Colorado. (Actually, we’re back at the camper now). We’re on a road trip with out new camp trailer and took a few hours to soak. After about half an hour of hot spring bliss, my mind wanders...
by Ed Hinerman | Oct 1, 2007 | insurance, life insurance
I just want to share a small piece of my life and what keeps me ticking. As a self employed independent life insurance agent I have found that one of the keys to success is that you have to believe in and love what you do. With that part in place, you then need to...
by Ed Hinerman | Sep 28, 2007 | cancer, insurance, life insurance
I had my first colonoscopy last year. I probably would have put it off for quite a while longer, but my wife had one done and kind of shamed me in to it. Anyway, it wasn’t as unpleasant as I had imagined and the results were good. I was told I didn’t need...
by Ed Hinerman | Sep 27, 2007 | insurance, life insurance
A few weeks back I wrote a post on different aspects of life insurance policy, the guts if you will. In that post I covered the grace period and reinstatement. In a nutshell, if you are late with a payment your policy goes into a grace period. See the first page of...
by Ed Hinerman | Sep 27, 2007 | breast cancer, cancer, heart disease, insurance, life insurance
Just when we get lulled into a sense of security about the postive attributes of alcohol as a deterrent for heart disease, someone shows up and ruins the party. In a very recent study, it appears there may be a significant link between alcohol use and breast cancer....
by Ed Hinerman | Sep 27, 2007 | diabetes, insurance, life insurance
In an ongoing effort to better serve the diabetes community, our new diabetes specific website is now live. We hope this will offer a more direct way for us to be involved in discussion and education concerning diabetes, and a site that is dedicated to answering...
by Ed Hinerman | Sep 27, 2007 | diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
I’ve been following NBC’s reality weight loss show Biggest Loser from a life insurance and health education view point. This had to be a tough week psychologically on the participant’s, as there was a lot of hard work going on and very few dropped...
by Ed Hinerman | Sep 26, 2007 | insurance, life insurance
With Life Insurance Awareness Month drawing to close I wanted to share a very compelling video clip from a talk given in Washington, DC by Molly Shannon, a former cast member of Saturday night live. While she (no surprise) starts with a chuckle, she soon gives her...
by Ed Hinerman | Sep 26, 2007 | insurance, life insurance
I received a copy of a news release this morning from NAIFA, the National Association of Insurance and Financial Advisors, and I wanted to pass it on to you. I think the message of Life Insurance Awareness is a vital and important message. I think that our Congress...
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