by Ed Hinerman | Mar 12, 2009 | hazardous activities, Independent agent, insurance, life insurance, scuba diving
Part of every life insurance interview has to do with extreme or dangerous activities. Often when I ask clients about whether they participate in anything like that, they will answer something like, “Well, I golf or fish. Does that count?” It seems after...
by Ed Hinerman | Mar 11, 2009 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, Prudential
The truth is that I doubt if anyone makes it through life without situational anxiety or depression and there are days when I would swear the whole world is ADD, so what’s the big deal? For years a lot of the more conservative life insurance companies have with...
by Ed Hinerman | Mar 10, 2009 | A1c, blood pressure, coronary artery disease (CAD), diabetes, heart disease, hypertension, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There are probably more than five tips for type 1 and type 2 diabetics who are looking for life insurance and don’t want to pay through the nose for it, but let’s take a quick look at the most important. 1. Educate yourself about your diabetes. Understand...
by Ed Hinerman | Mar 10, 2009 | Dave Ramsey, insurance, life insurance, suze orman, term insurance
When Dave Ramsey talks about taking care of the basics, housing, food, utilities and such, he hits right at the core of what life insurance is all about. Life insurance isn’t about enriching those left behind. It’s about making sure they can live on...
by Ed Hinerman | Mar 9, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
Having group life insurance through your job or organization is certainly one of the top excuses for not buying a personal life insurance policy. After all, if you already have it, why buy more. No physical. No muss or fuss, and group insurance is generally sooo...
by Ed Hinerman | Mar 6, 2009 | business life insurance, insurance, key man insurance, life insurance, return of premium term insurance, term insurance
In our current economic meltdown there are a lot of people out there trying to say that the government or big business are trying to run our country. What this country really runs on is small businesses and what really makes those businesses work is the owners or the...
by Ed Hinerman | Mar 5, 2009 | insurance, insurance quotes, life insurance, term insurance
YRT, yearly renewable term life insurance, has been around for a long time. Really the original term insurance, it has a rate that is guaranteed. Unfortunately it is guaranteed to go up substantially every year. YRT starts out with a very low first year price. For...
by Ed Hinerman | Mar 4, 2009 | insurance, life insurance, suicide clause
I’ve often been told that life insurance has an out with people with severe depression or severe bipolar disorder because they’ve got that suicide clause thing. I’ve written about this before and I think life insurance companies would probably prefer...
by Ed Hinerman | Mar 3, 2009 | blood pressure, Independent agent, insurance, life insurance, term insurance
This all went a little quicker than even I had anticipated. I shared a few weeks ago that I was applying for term life insurance on myself, a replacement of some terms that seemed prudent to extend. Because of some past health history impacting a previous application...
by Ed Hinerman | Mar 2, 2009 | arthritis, insurance, life insurance, rheumatoid arthritis
I know from personal experience that keeping tabs on what is said in your medical records can be as critical as making sure information in your credit records is accurate. Possibly even more important. Just a few examples from my own records that have had an effect on...
by Ed Hinerman | Mar 1, 2009 | AARP, cancer, Depression, diabetes, heart disease, insurance, life insurance, New York Life
I had posed a question to the Latino community a few weeks ago asking whether a life insurance website in Spanish with a direct line to bilingual staff would be something helpful. New York Life recently unveiled exactly what I was talking about. Yes, this is the same...
by Ed Hinerman | Feb 27, 2009 | breast cancer, cancer, insurance, life insurance
One of the great things from a life insurance standpoint in regards to early stage breast cancer, due to the very high survival rate, is that life insurance can often be purchased not too long after the cancer therapy is complete at as good as standard rates. Probably...
by Ed Hinerman | Feb 26, 2009 | AARP, Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, term insurance, universal life, whole life
The idea of burial life insurance is something that has been slow to evolve and is often misunderstood. In its’ purest form it is a contract taken out with a mortuary and for an up front payment they promise that a burial is prepaid. What people should be coming...
by Ed Hinerman | Feb 25, 2009 | AIG, insurance, life insurance
Since AIG hit the skids last fall I have been keeping clients and readers on top of the “what ifs” with their life insurance branch, American General. AIG’s recession slide has been a boondoggle of epic proportions with nearly $150 billion of bail...
by Ed Hinerman | Feb 25, 2009 | blood pressure, diabetes, high blood pressure, insurance, life insurance, private pilots
Most of the private pilots in the US have had some experience with the effect their hobby or avocation has on their life insurance rates. Insurance companies generally don’t look favorably on private aviation and the insurance quotes that most companies and...
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