by Ed Hinerman | Aug 26, 2010 | guarantee, insurance, life insurance, universal life
I had to change the top of my drum today. I’ve worn it out over the past two years beat it about all of the absolute crap (forgive me) that insurance companies are trying to pass off to consumers in the form of non guaranteed universal life and whole life...
by Ed Hinerman | Aug 25, 2010 | bipolar, bipolar disorder, insurance, life insurance
It’s been an interesting 3 years working with bipolar clients and at times tripolar life insurance underwriters, but headway has been made and we are successful in filling our clients needs most of the time. The sad thing for me is that getting approvals without...
by Ed Hinerman | Aug 24, 2010 | insurance, life insurance, term insurance, universal life, whole life
I know over the past few years thanks in part to Dave Ramsey and also in part to a reality check in the economy, I’ve had to take a new look at my budget several times. The days of paying more than we need to really are over. The same thought process...
by Ed Hinerman | Aug 23, 2010 | insurance, life insurance, obesity
Obesity has always been a life insurance underwriting challenge. Companies are keenly aware that while weight may not kill you, it dramatically increases your risk of everything from heart disease to cancer. The explosion in type 2 diabetes worldwide can be directly...
by Ed Hinerman | Aug 21, 2010 | insurance, life insurance, liver functions
Liver function tests have been the nemesis of life insurance underwriting for as long as I’ve been in the business and the source of a tremendous number of unfair ratings and declines on applications. Because of a long held leap of assumption that elevated liver...
by Ed Hinerman | Aug 20, 2010 | insurance, life insurance, skydiving
While there are plenty of life insurance companies and agents out there that stick their fingers in their ears when a client starts talking about their weekend hobby. The truth is there is an affordable and prudent way to approach the subject of life insurance for...
by Ed Hinerman | Aug 19, 2010 | decline, insurance, life insurance, mortality
I won’t pretend that being declined for insurance doesn’t carry a sting. A common thought that comes with the decline is, “Do they think I’m about to die, or what”? Some perspective might help and maybe a little insight into how life...
by Ed Hinerman | Aug 18, 2010 | AARP, insurance, life insurance, senior life insurance, term insurance, whole life
When a person gets into their 60’s, 70’s and above there is a real life insurance industry tendency to try to shove them into the final expense market, even at a time when people are working longer and have larger needs than most final expense policies...
by Ed Hinerman | Aug 10, 2010 | cancer, insurance, life insurance
I was on vacation with my wife and granddaughter recently, a “ROAD TRIP”. 3300 miles in 10 days from Colorado through Utah, Idaho, Oregon to Washington, back through Idaho to Montana, south through Yellowstone and back to Colorado. It was a great time....
by Ed Hinerman | Aug 6, 2010 | diabetes, high blood pressure, insurance, life insurance
Non compliance, not following doctor’s orders, is a choice we all come face to face with whenever we leave the doctor’s office. Whether it is a recommended followup or additional testing, prescribed medication that needs to be taken as prescribed to be...
by Ed Hinerman | Aug 4, 2010 | American Diabetes Association, insurance, life insurance
In a post and open email to the American Diabetes Association last year I voiced my disgust with them that ““I have attempted in the past to share information about how diabetes impacts a person’s ability to get life insurance and what it takes and how a person...
by Ed Hinerman | Aug 3, 2010 | bait and switch, insurance, life insurance
Having run across bait and switch situations often during my years in life insurance, and having just run head on into again today, I thought I would share a few thoughts starting with an analogy. Have you ever wondered what a fish must go through when they’re...
by Ed Hinerman | Aug 2, 2010 | incontestability, insurance, life insurance, over 50 life insurance, senior life insurance
There are plenty of stories about life insurance companies squirming out of paying death benefits, so I think it’s fair for a person to question if their beneficiaries will really get what they’ve paid for if the pass away. I’m often asked about the...
by Ed Hinerman | Jul 29, 2010 | Anxiety, Depression, insurance, life insurance
Situational mood disorders such as stress related anxiety or depression are something that probably all of us have gone through at one point or another. We all fall into one of three groups in this area, 1. Those who muddle their way through and are able to get back...
by Ed Hinerman | Jul 28, 2010 | beneficiary, insurance, life insurance
I’m a fan of sorts of National Public Radio. They take the time to talk about a lot of topics that regular radio and television really don’t find profitable and I love to catch “All Things Considered” when I’m traveling. I would...
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