by Ed Hinerman | Aug 23, 2007 | estate taxes, insurance, life insurance, second to die insurance
Is the need for second to die life insurance going to go away? Will the estate tax really disappear in 2010? Should you jump to decrease your life insurance because of the new exemption limits? Well, in the world according to me the answers would be NO, NO and NO! The...
by Ed Hinerman | Aug 23, 2007 | breast cancer, cancer, diabetes, heart disease, insurance, life insurance
Mom always said to take my vitamins. Actually she really didn’t, and the truth is that she wasn’t all that big on taking vitamins herself. Who would have ever thought that if she had been taking vitamins regularly and specifically vitamin D, she may not...
by Ed Hinerman | Aug 22, 2007 | Fat March, Independent agent, insurance, life insurance
The ABC show Fat March is meeting my expectations in that it is bringing attention to the fact that people can get life insurance at affordable rates even if they are overweight. It has also shown that dramatic impact that weight loss can have on life insurance rates....
by Ed Hinerman | Aug 20, 2007 | insurance, life insurance
I am playing in a “senior” qualifying golf tournament in the morning. I played a practice round today since I had never played the course. I was fortunate to be paired with 3 high school boys from Rifle, CO. These guys were a throwback to the days when I...
by Ed Hinerman | Aug 20, 2007 | diabetes, Independent agent, insurance, life insurance
I was getting an annual physical not too long ago and the doctor was a woman in her 30’s. When she found out I was a life insurance agent she took the opportunity to vent about her husband having recently been declined for insurance due to having bipolar...
by Ed Hinerman | Aug 18, 2007 | Independent agent, insurance, life insurance
I think the easiest way to approach this is to carry $25 million or so and just suggest to your spouse that if you die prematurely, and the $25 million seems too high, give some to charity. Or buy a new spouse with a longer life expectancy!! OK, OK. That really...
by Ed Hinerman | Aug 17, 2007 | DUI, insurance, life insurance
I have vivid memories of a DUI accident that I witnessed when I was in my 20’s. 30 years later I can still feel the disbelief that flooded my brain that day as I was crossing the Montana border going north on a four lane highway. I was in the right lane and a...
by Ed Hinerman | Aug 16, 2007 | cancer, diabetes, gastric bypass, heart disease, insurance, life insurance
As a life insurance agent I’ve become used to the term mortality experience, how long a person can expect to live given a set of health issues. It was kind of creepy the one and only time I spoke with someone in the life settlement business. I gave him a...
by Ed Hinerman | Aug 16, 2007 | Independent agent, insurance, life insurance, term insurance, universal life
I love that saying! I have it hanging in my office. I don’t, however, have much fondness for those that it applies to. It would not be hard, or take long to write a book about stupid, harmful life insurance recommendations made by, and I use this reference...
by Ed Hinerman | Aug 16, 2007 | insurance, life insurance, term insurance, universal life, whole life
I mean really. What one of you hasn’t wondered at some point how a company can offer $500,000 worth of life insurance for for $14 per month. You die after 10 months (made the math easy on myself) and they’ve taken in $140 and paid out $500,000, a net loss...
by Ed Hinerman | Aug 16, 2007 | insurance, life insurance, universal life
This is a point that probably can never be driven home enough to get everyone’s attention, but listen…..No matter what your life insurance agent told you about your universal life policy staying in force as long as you pay the premiums…..No matter...
by Ed Hinerman | Aug 16, 2007 | cancer, Independent agent, insurance, life insurance, stroke
I suspect there isn’t any of us who don’t have a family member or friend who has had breast cancer. The good news from a life insurance standpoint is that breast cancer screening and treatment has improved dramtically, meaning early detection and...
by Ed Hinerman | Aug 15, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
There is no more critical component of life insurance underwriting of prostate cancer than the stage and grade. In the medical world it is often next to impossible to find a simple explanation of anything. I found an article today that explains the whole prostate...
by Ed Hinerman | Aug 15, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer, PSA
As older guys we are all familiar with the whole issue about prostate cancer. Our doctors like to check us annually just like our wives get annual pap smears or mammogram to rule out cervical or breast cancer. I’m sure women would say we are getting off easy...
by Ed Hinerman | Aug 14, 2007 | cancer, heart attack, insurance, life insurance, term insurance
Whatever the name it’s given for a particular situation, death bonds, viaticals, investor owned life insurance, life settlement…..it all comes down to a large step away from what life insurance ought to be, and a blemish on the integrity of the life...
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