by Ed Hinerman | Jun 3, 2008 | insurance, life insurance
I would probably be well advised to tread carefully when it comes to mixing my business with politics, but being my own adviser, I tend to tell it the way I see it and let the chips fall wherever. Allow me to share a few things that have struck me as important when it...
by Ed Hinerman | Jun 3, 2008 | arthritis, cancer, Independent agent, insurance, life insurance, osteoarthritis, rheumatoid arthritis
When you blow past that 50 mark in your life it seems that the aches and pains are more frequent and often show up without any good reason. I remember when I was younger playing 36 holes of golf (carrying my bag) and while I was tired, sore was not a problem. Now at...
by Ed Hinerman | Jun 2, 2008 | estate taxes, insurance, life insurance, universal life, whole life
The not so funny standing joke in the estate planning business is that the most lucrative plan would be a plan to die in 2010. The meat behind that joke is, of course, the estate tax revision law that was was passed not long after Bush took office that started reform...
by Ed Hinerman | Jun 1, 2008 | heart attack, insurance, life insurance, private pilots, stroke
I was having a discussion with a private pilot concerning life insurance one day. This particular pilot had been a client for some time and a few year earlier had suffered something akin to a stroke. The FAA had pulled his license after the incident. He was calling to...
by Ed Hinerman | May 30, 2008 | insurance, life insurance
Some weeks I feel like I’ve been a bit rough with the reality thing, so I thought I would end the week on a lighter, more upbeat reality note. One of the common threads out there for the “right thing to do” for your health, especially when it comes...
by Ed Hinerman | May 29, 2008 | accelerated death benefit, final expense life insurance, insurance, life insurance, term insurance
There’s probably none of us who haven’t known someone whose family has gone through a terminal illness of a family member. The anticipation of the loss, the battling against the inevitability of the loss, the tremendous expense and strain of the process...
by Ed Hinerman | May 29, 2008 | Burial insurance, final expense life insurance, insurance, life insurance, universal life, whole life
Pre-paid funeral plans. Pre-paid burial plots. Burial Insurance. All are products that are designed to tug at the emotions, tug just hard enough to get you to ignore the realities, ignore the math, and ultimately make a decision that is free from logic. If memory...
by Ed Hinerman | May 28, 2008 | bait and switch, diabetes, insurance, life insurance, term insurance, Type 2 diabetes
In my last post I hope I made a clear distinction between a life insurance agent who is qualified to handle cases that involve health issues, and those who really shouldn’t play with sharp objects. At the end I alluded to the definitive way to separate the two...
by Ed Hinerman | May 28, 2008 | Anxiety, bipolar disorder, Depression, diabetes, heart attack, heart disease, hepatitis, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There must be a couple of million people in the US licensed to sell life insurance. If you take in the giant internet mega agencies, all of the independent agents, and all of the captive agents (work for just one company), the possibilities for purchasing life...
by Ed Hinerman | May 28, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
The word cancer used in reference to anything to do with life insurance usually conjures up visions of declines and huge rates. In that regard skin cancer is something of a different animal. Skin cancer is the most common cancer in both men and women, mostly thanks to...
by Ed Hinerman | May 27, 2008 | estate taxes, insurance, life insurance, second to die insurance, universal life
Estate tax repeal, just like getting older, is gently creeping up on us at about the speed of a Lear Jet. In 2010, if congress doesn’t do anything the estate tax will disappear until, of course, reinstated by a congress and president of sound mind. Most of those...
by Ed Hinerman | May 26, 2008 | bipolar disorder, cancer, high blood pressure, Independent agent, insurance, life insurance
I was providing some information on the underwriting of bipolar disorder a few days ago on a bipolar forum when the question came up, “Why is bipolar disorder an issue with life insurance”. Being in the life insurance business I am keenly aware that most...
by Ed Hinerman | May 24, 2008 | Independent agent, insurance, life insurance, private pilots
Whether you fly for the big boys like Net Jets and Executive Jet Management, or some smaller group, there has been a move in the life insurance industry to charge you more than other ATP rated pilots. I won’t be long winded about this. If you have had that...
by Ed Hinerman | May 24, 2008 | coronary artery disease (CAD), heart disease, Independent agent, insurance, life insurance, obesity, Sleep apnea, stroke
Probably one of the most challenging parts of life insurance is explaining to clients why their, at least to them, seemingly innocuous health issue impacts their life insurance rates. Their belief is that if it isn’t bothering them too much and their doctor...
by Ed Hinerman | May 24, 2008 | foreign travel, Independent agent, insurance, life insurance
For as long as I’ve been in the business, not quite 100 years but working on it, foreign travel has been fair game for life insurance companies underwriting criteria. In the words of an underwriter I spoke to several years ago, “it seems prudent for us to...
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