by Ed Hinerman | Aug 24, 2009 | Independent agent, insurance, life insurance
Most business models are built around the premise of keeping your current client base and building on it. Given the premise it’s understandable that a business would be upset about losing a customer. In life insurance that client relationship is certainly true...
by Ed Hinerman | Aug 20, 2009 | AARP, insurance, life insurance
I know it seems like about half of my adult life has been spent shooting arrows at AARP for their mistreatment of their constituency with their pet program, AARP’s Life Insurance underwritten through New York Life. You would think this organization would have...
by Ed Hinerman | Aug 19, 2009 | bipolar disorder, Depression, insurance, life insurance
I’ve written a lot about mood disorders, especially depression over the years. The truth is that depending on the life insurance company, any particular disorder can have an underwriting reaction that can vary all the way from preferred rate classes to declines....
by Ed Hinerman | Aug 19, 2009 | insurance, life insurance, Sleep apnea
While we’ve been very successful in placing best rate class life insurance for those with mild to moderate sleep apnea, that shouldn’t be confused with a lack of risk with the disorder. The way to those best class rates starts with mild to moderate apnea,...
by Ed Hinerman | Aug 18, 2009 | insurance, life insurance, term insurance
Well, uh, No! I know I’ve been talking for months about the fact that term life insurance seems to have finally hit the skids on it’s nearly 15 year downward trend in prices. And I’ve talked about this being probably the best time to buy term life...
by Ed Hinerman | Aug 17, 2009 | insurance, life insurance, term insurance
I can’t tell you the number of times that I’ve been asked, when a client is facing an increased life insurance rate due to some health issue, why the insurance company doesn’t take into account all the positive things they have going on in their...
by Ed Hinerman | Aug 17, 2009 | insurance, life insurance, term insurance, universal life, whole life
The age old debates about what type of life insurance to buy and at what age a person should definitely have life insurance will go on long beyond me. But this morning I just want to weigh in on with a little different perspective. There are two things that I think we...
by Ed Hinerman | Aug 13, 2009 | insurance, life insurance, term insurance, universal life
When it comes to universal life insurance policies that question could be asked both of the people who own the policies and the companies that sold them. We are currently collaborating on an article that will hopefully bring the picture into focus, that picture...
by Ed Hinerman | Aug 13, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
I written several times about a major term life insurance company that took the unprecedented step of saying they would allow, in the absence of other risk factors, their preferred plus rate class for some people over 60 with type 2 diabetes. Their only other...
by Ed Hinerman | Aug 12, 2009 | bipolar disorder, insurance, life insurance
Back “in the day” families had an insurance agent. It really didn’t matter what type of insurance they needed. If they wanted auto, homeowners, health, life, disability income or anything else, they went to the family agent. In most cases the agent...
by Ed Hinerman | Aug 10, 2009 | incontestability, insurance, life insurance
I really think it says something about the morals of our country when people will potentially put their family protection through life insurance at risk by lying and attempting to defraud the company that is willing to help protect their family’s future. I guess...
by Ed Hinerman | Aug 6, 2009 | cholesterol, high blood pressure, insurance, life insurance
I am beginning to believe that our little mountain town here in one of the healthiest states according to several studies, is home to a bunch of closet cholesterol snarfers. I know you don’t really snarf cholesterol, but I also know that if you do the typical...
by Ed Hinerman | Aug 5, 2009 | AARP, insurance
AARP is on a soapbox concerning health care reform, once again purporting to be the mother of all advocacy groups on behalf of all of us who are over 50, and of course if we want to buy something our spouses of they are over 45. I won’t even get into the health...
by Ed Hinerman | Aug 4, 2009 | estate taxes, insurance, life insurance
In my mind the estate tax changes made in 2001 were a great idea with a great direction and one of the stupidest endings that could be thought up. Why would Congress and the President go so far to finally bring something out of the dark ages and make it fair, only to...
by Ed Hinerman | Aug 3, 2009 | estate taxes, insurance, life insurance, second to die insurance
While it certainly isn’t our duty to work our tails off all of our adult lives just so we can leave the legacy of an estate to our heirs, I saw a study a few years ago that indicated that it really was the goal, a desire, of the boomer generation and our...
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