by Ed Hinerman | Sep 6, 2007 | cholesterol, diabetes, heart disease, insurance, life insurance
I have been more than just a little critical of doctors who keep poor records, don’t tell their patients all they deserve to know, and don’t educate their patients about their medical situation. I need to be fair, or at least I’m feeling that need...
by Ed Hinerman | Sep 6, 2007 | insurance, life insurance
Where isn’t if offered? Whether you are buying a new entertainment center, a car or a house, if financing is involved the question will always pop up. “Would you like to add credit life insurance (mortgage life insurance)?” Mortgage life insurance is...
by Ed Hinerman | Sep 6, 2007 | foreign nationals, insurance, life insurance
A little disclaimer here. Per my duty to my country and the Homeland Security folks, I am not looking for life insurance business from people that want to launder money. Having dutifully taken my required anti-money laundering course through LIMRA, I stand ready to...
by Ed Hinerman | Sep 5, 2007 | bipolar disorder, Independent agent, insurance, life insurance
I’m seeing this headline in the New York Times that is talking about a “40 fold” increase in the diagnosis of children with bipolar disorder in the period between 1994 and 2003. We’re not talking about a 40% increase. The article is saying that...
by Ed Hinerman | Sep 4, 2007 | cancer, diabetes, Fat March, heart disease, insurance, life insurance
As the Fat March participants near the end of their 570 mile quest for weight loss, pounds continue to disappear and once again we will analyze the weight loss in the context of what impact it would have on life insurance rates. A couple of notes on participants that...
by Ed Hinerman | Sep 4, 2007 | insurance, life insurance, return of premium term insurance, women
The carefree life of the young and single! Been there and done that, and I don’t believe I was the odd person out when I failed to plan for the future. My assumption was that if things changed I would deal with it as it came up. That included any thoughts about...
by Ed Hinerman | Sep 3, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance
Whether as an executive or CEO of a large business, or as owner of one of the small businesses that are the backbone of this country, women are increasingly in charge of companies and increasingly needing to consider life insurance as a way to protect that for their...
by Ed Hinerman | Sep 3, 2007 | insurance, life insurance, women
Of all the different scenarios that women face when it comes to life insurance, perhaps that of the single mother is the trickiest. There is an obvious need. What single parent would not have some fear for their children’s future, knowing that minus them and...
by Ed Hinerman | Sep 1, 2007 | Independent agent, insurance, life insurance, women
Yes, I know that there are stay at home dads also, but this run of posts is about women and life insurance. Honestly, the title of stay at home mom is a bit of a misnomer. It should be more like “stay at home, do more jobs than than is humanly possible, while...
by Ed Hinerman | Sep 1, 2007 | insurance, life insurance, women
I will be looking at life insurance, it’s need and it’s impact, for women in various roles. Let me be very clear that I have no bias that leads me to believe one role is better for a woman than another. I would hope for all women that the path they choose...
by Ed Hinerman | Sep 1, 2007 | insurance, life insurance, women
Last year when my wife and I reassessed our life insurance portfolio, I recommended that we had another policy for both of us. She understood very well why we should it increase it on me. The business had grown, and there was simply more at stake if I were to die. Not...
by Ed Hinerman | Aug 31, 2007 | insurance, life insurance, term insurance
I shared some information not too long ago from the Life Insurance Market Research Association (LIMRA) and the bottom line was that studies showed that American families were generally under insured, knew they were under insured, but in general weren’t real sure...
by Ed Hinerman | Aug 31, 2007 | cancer, DUI, insurance, life insurance
I am always amazed at the thought process (or lack of) that people go through when we are discussing life insurance application questions. They must think that life insurance underwriters are really not very bright. While I have, on occasion, shared that opinion,...
by Ed Hinerman | Aug 31, 2007 | cancer, diabetes, insurance, life insurance, liver functions, prostate cancer, PSA
A question that comes up quite often when we discuss the examination part of a life insurance application is, just what is they are looking for? They are going to take blood and urine specimens so they must be on the hunt for something! I think the best way to answer...
by Ed Hinerman | Aug 30, 2007 | insurance, life insurance, universal life, whole life
When someone exposes themselves, often the exposee really doesn’t want to see it. If someone exposed your universal life policy today, would it send you screaming into the dark. There isn’t a week that goes by that I don’t yell at the top of my...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments