by Ed Hinerman | Mar 22, 2010 | AARP, diabetes, insurance, life insurance
When I think advocate, I think, “Yes, someone who can help take some of this weight off of me. Someone who has the experience and the knowledge to get me through this”. I remember sharing my experience with the ADA, American Diabetes Association, a few...
by Ed Hinerman | Mar 19, 2010 | heart attack, insurance, life insurance
Long gone are the days of US Financial Life Insurance and their clinical underwriting that gave so many clients competitive rates, rates they really deserved, within 6 months of an angioplasty or bypass surgery. While those are tough shoes to fill, other companies...
by Ed Hinerman | Mar 17, 2010 | bipolar, insurance, life insurance
Insurance agents annual reviews have gotten a bad name over the years and with some justification. Some agents see it only as an opportunity to sell more and kind of do service as an aside. But don’t underestimate the value of those annual calls. I know before I...
by Ed Hinerman | Mar 16, 2010 | gastric bypass, insurance, life insurance, obesity
America has spent trillions of dollars monitoring, spying on and fighting enemies abroad since its’ inception. Now it would appear that we are being overtaken from the inside, not by armed terrorists, but by fat. Obesity is out to kick our behinds. Now...
by Ed Hinerman | Mar 15, 2010 | bipolar, bipolar disorder, insurance, life insurance
I went to the big city with my wife the other day. Now understand that I dislike shopping about as much as a person can, but a couple of times a year I will give in, amuse my wife, and do it with a smile. That is in sharp contrast to shopping for the best life...
by Ed Hinerman | Mar 12, 2010 | breast cancer, cancer, insurance, life insurance, prostate cancer
Not a week goes that I am not called by someone with a history of cancer. It can be as common and treatable as prostate cancer or breast cancer, or as unpredictable as multiple myeloma. They would like to have life insurance, just like anyone, but insurance quotes...
by Ed Hinerman | Mar 11, 2010 | insurance, life insurance, prostate cancer
I’ve often heard and read several places that most men will get prostate cancer to some degree if they live to a moderately old age. The good news is that, for many, it will have little or no impact on their lives or their mortality. For a great many they will,...
by Ed Hinerman | Mar 10, 2010 | insurance, life insurance, suicide clause
Like cancer and car accidents, there are probably very few of us who haven’t been touched by the loss of a relative or someone we know by suicide. I try to address this sensitive issue a couple of times a year just because I believe a lot of life insurance...
by Ed Hinerman | Mar 9, 2010 | insurance, life insurance
“My great concern is not whether you have failed, but whether you are content with your failure.”–Abraham Lincoln Well, Abe was certainly easier to please than me. When it comes to protecting your family future with life insurance, with the very rare...
by Ed Hinerman | Mar 9, 2010 | insurance, life insurance, whole life
Yesterday I offered a post about term insurance versus whole life. There was on piece of the puzzle I left out, a particularly disturbing one since, first and foremost a life insurance agent should be all about making sure there is enough death benefit to take care of...
by Ed Hinerman | Mar 8, 2010 | insurance, life insurance, term insurance, whole life
Clients being ever vigilant for the fine print or hidden costs occasionally ask how I get paid. The core of the question for them is, of course, any additional cost they might incur above and beyond the premium. How do life insurance agents get paid? This isn’t a...
by Ed Hinerman | Mar 5, 2010 | insurance, life insurance, mortality, mortality risk
If there is a common thread through the whole life insurance application/underwriting experience, it’s that those applying tend to underplay their mortality while feeling like underwriters really overplay the whole mortality thing. Life insurance pricing and...
by Ed Hinerman | Mar 4, 2010 | Anxiety, insurance, life insurance
Depression is one of those life insurance issues I’ve been hearing about forever. Anxiety, on the other hand, was something I rarely heard about 10 years ago and today it seems anxiety treatment is almost as common as cholesterol treatment. I think I get that....
by Ed Hinerman | Mar 3, 2010 | insurance, life insurance, term insurance
A year and a half ago when everyone’s 401k’s had suddenly turned into 201k’s I threw out the suggestion that people buy 10 year term insurance as a way to kind of fill the bucket back up until things recovered. Now true, it wasn’t an idea to...
by Ed Hinerman | Mar 2, 2010 | cholesterol, conversion, insurance, life insurance
Of course that questions begs another question. Has common sense ever been a standard of life insurance underwriting? The real answer is yes. Absolutely yes. Before the big changes that came with the shrinking number of reinsurance companies and before we were...
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