by Ed Hinerman | Aug 30, 2007 | insurance, life insurance
I guess if it’s my blog I can occasionally stray from my mission of folding back all the layers of the life insurance onion and just throw out a bizarre one. In Eugene, Oregon recently a man was saved by his seat belt when he blacked out and ran into a parked...
by Ed Hinerman | Aug 30, 2007 | cancer, heart disease, Independent agent, insurance, life insurance, prostate cancer
I’ve often written about the fact that smoking generally increases life insurance rates by at least 100%, all else being equal. The average is really closer to 150% to 200%. Some companies are substantially higher than that. Life insurance underwriters...
by Ed Hinerman | Aug 29, 2007 | diabetes, heart disease, insurance, life insurance, obesity, universal life, whole life
Kind of an ugly image, but the reality is that the US is outgrowing itself by leaps and bounds. You know I will jump on my life insurance band wagon about that, but think about the strain that this will put on the government and health care systems and the increase...
by Ed Hinerman | Aug 29, 2007 | insurance, life insurance
Many agents and agencies require money with your application. That is their requirement, not the requirement of the company that you are applying with. My feelings on this subject are that it takes a lot of gall to ask someone to pay for something that hasn’t...
by Ed Hinerman | Aug 28, 2007 | insurance, life insurance
Every time someone applies for life insurance they ask the question, “so, how long will it take?” After 500 years in the business I have only been right 3 or 4 times………….but in general!! Let’s review the variables. Applying...
by Ed Hinerman | Aug 28, 2007 | cholesterol, heart attack, Independent agent, insurance, life insurance, PSA
When it comes to reasons why life insurance quotes change, right up there with being 10 pounds off on knowing your true weight, is not having a clue what your cholesterol is and finding out on the exam that it’s out of whack. So what’s the fuss with...
by Ed Hinerman | Aug 28, 2007 | cancer, coronary artery disease (CAD), diabetes, Fat March, high blood pressure, insurance, life insurance, stroke, Type 2 diabetes
Episode 4, nearly 300 miles into their “march”, I continue to watch the progress both as an interested spectator and a life insurance professional. My goal in following this program has never been to be actively involved in it’s progress, but rather...
by Ed Hinerman | Aug 28, 2007 | heart attack, high blood pressure, insurance, life insurance, obesity, stroke
Thanks to a discount provided by Genworth Life and Annuity, since I have life insurance through them, and thanks to my wife who doesn’t want me to die because she likes my blogs more than anything she can find on Oprah.com, I had a screening today of my carotid...
by Ed Hinerman | Aug 27, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
I know when my father was undergoing radiation treatment for his bladder cancer, I was amazed at the computerized system they had for aiming the radiation exactly where they needed it. One of the down sides to the whole system is the fact that, inspite of the best...
by Ed Hinerman | Aug 27, 2007 | cancer, diabetes, heart disease, insurance, life insurance
I kind of like those cholesterol med commericals on TV. “Is it from bow tie pasta, or your Uncle Bo? Well, family history has been a bone of contention in life insurance underwriting for some time and companies have been all over the map with their treatment of...
by Ed Hinerman | Aug 27, 2007 | cancer, diabetes, heart attack, heart disease, insurance, life insurance
I know when a serious health problem strikes a family member it seems as if the world is crumbling. There is a deep need for a life buoy of some kind out there that will take some of the edge off of the situation. This is the point at which I get many calls wanting to...
by Ed Hinerman | Aug 24, 2007 | heart disease, high blood pressure, insurance, life insurance
I have always been an advocate of, if a moderate amount of something is good for, then a huge amount should be great for you. A glass of red wine a day is supposed to help your chances of avoiding heart disease. So, why not a bottle a day and have the heart of a 20...
by Ed Hinerman | Aug 24, 2007 | breast cancer, insurance, life insurance, prostate cancer
As I head off to a family reunion this weekend, thoughts of good times and plenty of food fill my head. It’s summer and of course BBQ will be the mainstay of our evening meals.Always the consummate life insurance agent, I had pegged the travel as our biggest...
by Ed Hinerman | Aug 24, 2007 | cholesterol, heart disease, insurance, life insurance, prostate cancer, PSA
I’ve been accused of harping on some subjects, but I will never be accused of glossing something over or falling short of driving a point home. In our own health, as well as in our quest for lower life insurance rates, knowledge of our own health and educating...
by Ed Hinerman | Aug 23, 2007 | heart attack, heart disease, insurance, insurance quotes, life insurance
It’s been one of those weeks that will drive me to repeating myself. I know I just smacked doctors over the head a few days ago about how they don’t quite explain all the relevant details to their patients. That really puts the patient in a awkward...
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