by Ed Hinerman | Mar 18, 2008 | cancer, diabetes, heart disease, insurance, life insurance, obesity
Getting by on less sleep is something of a badge of honor. I’ve heard people state and sometimes brag about the fact that they only need 4-5 hours of sleep a night. For all of those hardworking people who are holding down two jobs, or are single parents, a lack...
by Ed Hinerman | Mar 18, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
There are plenty of life insurance companies out there who will look the other way on cigar smoking as long as you are truly an “occasional” smoker. Each company has their take on what occasional means. For a few companies you need to save those cigars for...
by Ed Hinerman | Mar 16, 2008 | cancer, cholesterol, heart attack, insurance, life insurance, obesity
Over the years I believe I have heard most, if not all, of the whining responses from people who, after an exam and a review of their medical records, didn’t get the best rate available on life insurance. Don’t get me wrong. I want those rates also. But...
by Ed Hinerman | Mar 15, 2008 | cholesterol, insurance, life insurance
I have often had clients who had cholesterol tests come back well out of the normal range and blamed it on forgetting to fast, or in the case of a recent client, a nurse that called and said it would be better for her if she came that particular evening instead of the...
by Ed Hinerman | Mar 13, 2008 | bipolar disorder, cancer, Depression, diabetes, heart attack, Independent agent, insurance, life insurance, private pilots
I’ve often discussed the fact that out of the nearly 2000 companies that purport to be in the life insurance business, there are only a handful, maybe 2% that are serious about working to get you the best deal. When you throw in health issues of any consequence...
by Ed Hinerman | Mar 12, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
The PSA, prostate specific antigen, test has been the standard for decades for determining the chances of a man having prostate cancer and the need for further diagnostic testing through a needle biopsy. The problem that has become apparent in the medical and life...
by Ed Hinerman | Mar 11, 2008 | accelerated death benefit, insurance, life insurance
Most life insurance policies issued in the past 5-10 years have a rider called the accelerated death benefit rider. It doesn’t cost anything and it allows the insured to receive, depending on the company, up to half of the death benefit (usually up to a limit...
by Ed Hinerman | Mar 11, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
I know I’ve been beating this drum quite a bit, but the word needs to get out. Having bipolar disorder is not the frosting on a decline cake if you need life insurance. Can everyone qualify for good life insurance rates with bipolar? I won’t even tell you...
by Ed Hinerman | Mar 10, 2008 | heart attack, heart disease, insurance, life insurance
I’ve written posts on the subject of the “revolutionary” ultra fast CT scan, the snap shot of the heart that would finally put an end to invasive diagnosis methods such as cathaterization. In those posts you may remember that the problem was that the...
by Ed Hinerman | Mar 8, 2008 | insurance, life insurance, term insurance, universal life
Often when a person gets into their 70’s, life insurance choices have to be studied more carefully. In most cases there is only one term option left, the 10 year term insurance. If that doesn’t work for you, the only other practical option is a universal...
by Ed Hinerman | Mar 8, 2008 | estate taxes, insurance, life insurance, second to die insurance
However the elections shake out, congress and the new president will be dealing with the estate tax issue over the next year. Already a myriad of options have been thrown into the hopper. Amost no one and none of the proposals point to the elimination of the federal...
by Ed Hinerman | Mar 7, 2008 | insurance, life insurance
You and the family go out for a drive. Do you really know what will happen? Bottom line. Sometimes our days, our lives, don’t turn out the way we plan!
by Ed Hinerman | Mar 7, 2008 | insurance, life insurance, term insurance, whole life
I’ve heard every possible pitch as to why whole life insurance is a good idea. Did you know that we might not have Disney World if it weren’t for whole life insurance? I’ve said so many times that whole life insurance used to be the only way to have...
by Ed Hinerman | Mar 5, 2008 | Independent agent, insurance, life insurance, term insurance, whole life
I was asked by my pastor to offer my thoughts on life insurance to the people attending the Dave Ramsey Financial Peace University seminar at our church. Anyone who’s read my blogs knows that I am huge on leaving money in people’s pockets. Dave Ramsey is...
by Ed Hinerman | Mar 4, 2008 | Independent agent, insurance, life insurance
I understand comfort zones, local allegiance, friends who sell insurance and all of that, but is having all of your insurance needs handled by one person a prudent idea? I have my auto and homeowner’s insurance with a local Farmer’s Insurance agent. A...
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