by Ed Hinerman | Jul 30, 2008 | angioplasty, bypass surgery, heart attack, Independent agent, insurance, life insurance
Early on in my work with cardiac patients needing life insurance I learned to ignore what they remembered their cardiologist telling them about their prognosis, and just dig for facts. The most important fact that we needed uncovered and on the table was the amount of...
by Ed Hinerman | Jul 29, 2008 | insurance, life insurance, private pilots
Oshkosh is wall to wall private pilots this week. It’s a week long fest of vintage planes, shows, and even the much anticipated Martin Jetpack kicking things off with it’s first public flight. Life insurance will be well represented I’m sure, but...
by Ed Hinerman | Jul 29, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
Skin cancer is the most common cancer among both men and women in the US. Life insurance underwriters have shown a lot of movement on their underwriting guidelines for skin cancer over the past several years. Unfortunately, until recently, it didn’t seem to be...
by Ed Hinerman | Jul 29, 2008 | insurance, life insurance, term insurance, universal life, whole life
The argument of term versus permanent insurance has raged on since before I first got into the business in 1978. Back then the defining lines between the two were more stark, with the only term product available being a yearly renewable term, a product with a low...
by Ed Hinerman | Jul 28, 2008 | bipolar disorder, diabetes, epilepsy, heart disease, Independent agent, insurance, life insurance
I’ve mentioned many times that the large internet agencies are well equipped to pursue and sell the younger age, completely healthy market. It is, for them, an uncomplicated and easy way to keep the cash flowing. It is much quicker and easier than dealing with...
by Ed Hinerman | Jul 23, 2008 | AARP, insurance, life insurance, term insurance, whole life
I recently applied for and received an AARP Group term life policy underwritten by New York Life. In previous posts I believe I’ve clearly made the point that these AARP offerings are a rip off of the sleaziest form, claiming to be advocates of the elderly while...
by Ed Hinerman | Jul 22, 2008 | insurance, life insurance, universal life, whole life
If I’ve gone bonkers once, I’ve gone bonkers 100 times about agents that sell universal life and whole life policies based on current or assumed values and not based on guarantees. If you have a policy that was sold based on the assumption that a company...
by Ed Hinerman | Jul 22, 2008 | diabetes, insurance, life insurance, obesity, Type 2 diabetes
When I was helping out after Hurricane Rita in Mississippi, I got to experience, first hand, southern hospitality and also the gateway to obesity, down home southern cooking. The only thing that saved me from coming back from that trip 25 pounds heavier was the fact...
by Ed Hinerman | Jul 22, 2008 | insurance, life insurance
No! The question comes up all the time. Someone who has just completed an annual physical. A private pilot who recently did their regular flight exam. A CEO who gets semi-annual executive physicals at the Mayo Clinic. It really doesn’t matter what the scenario...
by Ed Hinerman | Jul 21, 2008 | insurance, life insurance
Sounds like one of those reward programs that are promised with credit cards! “Earn extra life insurance miles!” I know I have claimed in previous posts that my health, as least mental health, benefits from an occasional escape to someplace other than my...
by Ed Hinerman | Jul 21, 2008 | cancer, diabetes, heart disease, insurance, life insurance, obesity
We’ve blogged long and hard for years about the obesity epidemic in our country and the high cost the participants are paying in added health problems, shorter life spans and higher life insurance premiums. So, not that we had anything to do with it, but hats...
by Ed Hinerman | Jul 21, 2008 | angioplasty, bypass surgery, coronary artery disease (CAD), heart attack, insurance, life insurance
One of the challenges we face each week is finding affordable life insurance for people who have suffered a heart attack, or have undergone angioplasty or heart bypass surgery after having chest discomfort due to blocked arteries. The good news! The folks we are...
by Ed Hinerman | Jul 20, 2008 | cancer, diabetes, heart attack, Independent agent, insurance, life insurance
At least a dozen times a week I get an opportunity to review someone’s current and historical health with them. I’m on a fact finding mission with the goal of getting each person the best possible life insurance rates they can expect in their unique...
by Ed Hinerman | Jul 17, 2008 | cancer, diabetes, heart disease, insurance, life insurance, life settlements
This is an area involving life insurance that is receiving more and more attention and a topic where the troops (life insurance agents) are definitely divided. A life settlement involves the sale of your policy to a third party. The third party takes over ownership,...
by Ed Hinerman | Jul 16, 2008 | insurance, life insurance, private pilots
A question that comes up fairly frequently is whether a person who takes up a new hobby, not knitting, but something more daring like flying, skydiving or the like, needs to take out a new life insurance policy in order to be covered. This is a fair and prudent...
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