by Ed Hinerman | Mar 4, 2008 | insurance, life insurance
You may have seen it advertised in magazines and on television. $1,000,000 accidental death travel insurance. It’s quick and easy and it is a guaranteed issue product. It’s very affordable. It’s not the answer for all of those who are taking jobs in...
by Ed Hinerman | Mar 2, 2008 | bipolar disorder, diabetes, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
There’s really never been bad news when it comes to life insurance underwriting of type 2 diabetes. Would people with diabetes like to pay less for life insurance? Of course they would, which puts them in the same boat with all of us who don’t have...
by Ed Hinerman | Feb 29, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
I’ve been told that all guys will get prostate cancer to some degree if they live to a moderately old age. The good news that, for many, it will have little or no impact on their lives or their mortality. Prostate cancer that is slow growing, that is to say a...
by Ed Hinerman | Feb 27, 2008 | DUI, insurance, life insurance
When is DUI not a DUI? Trick question? Well, of course it is. The answer is never even if your attorney was able to plea bargain your DUI by having you plead no contest to DWS, driving while stupid. Clients will, and honestly in their mind, answer no to the question...
by Ed Hinerman | Feb 26, 2008 | bipolar disorder, blood pressure, cholesterol, diabetes, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
Let me just reiterate from previous posts that if you have bipolar disorder, you can expect for almost all life insurance companies to decline you. They don’t care to what degree the disorder impacts your life. They put the completely functional CEO of a company...
by Ed Hinerman | Feb 26, 2008 | insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
I field a high number of calls asking about whether people should buy term insurance, universal life or whole life, and in some cases they will have heard of, and ask about return of premium term insurance. Now is not the time to hold back my feelings on this, so I am...
by Ed Hinerman | Feb 25, 2008 | insurance, life insurance
I have frequently been dismayed by how doctors don’t share information with their patients. They seem to have some 7th sense that lets them know whether a patient will be able to understand the information, so it goes in their records and comes back to bite them...
by Ed Hinerman | Feb 24, 2008 | Independent agent, insurance, life insurance
I just spent the last week working with a gentleman who had applied for life insurance through Selectquote and was approved, but wanted a second opinion on what products were available to him. Over the course of a week I presented multiple options to accomplish what...
by Ed Hinerman | Feb 22, 2008 | insurance, life insurance, term insurance
I was reading an aricle in a trade publication today concerning orphan life insurance policyholders. No, this isn’t some group of lost children’s life insurance clients. An orphan, in the industry sense, is a client whose agent has moved, died, or more...
by Ed Hinerman | Feb 21, 2008 | business life insurance, insurance, key man insurance, life insurance, return of premium term insurance, term insurance
I swear, where a year ago I was thinking New York would probably miss this century also, they have now rocked the life insurance world by approving return of premium term insurance for sale. Return of premium has been available in the rest of the country for years,...
by Ed Hinerman | Feb 21, 2008 | cancer, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Whether or not you agree that there is an obesity epidemic, you would have to have on some pretty serious blinders to not see that lifestyle changes over the past 40 years have definitely packed the pounds on the average US citizen, if not the whole world. An article...
by Ed Hinerman | Feb 19, 2008 | bipolar disorder, diabetes, epilepsy, heart disease, high blood pressure, hypertension, Independent agent, insurance, life insurance
As the word sneaks out a little further each day, I have more and more people contacting me and asking if it’s true. Can they get life insurance at affordable rates even though they have bipolar disorder? I wish I could claim that the answer is unequivocally...
by Ed Hinerman | Feb 18, 2008 | cancer, estate taxes, insurance, life insurance
There are a couple of reasons this upcoming election could have an impact in the life insurance realm. For most of us poor folks you would think that estate taxes wouldn’t be a big issue. I think it’s significant no matter who you are. Just to recap the...
by Ed Hinerman | Feb 15, 2008 | Depression, heart attack, insurance, life insurance
I admit that I am something of a whiner when it comes to cold and snow. I am often asked, if that’s true, why I live in Colorado? The answer lies mostly outside the winter months. Snow has been building up, or at least not going away since late November. A few...
by Ed Hinerman | Feb 14, 2008 | breast cancer, cancer, insurance, life insurance, obesity
We’ve often discussed in this forum that one of the most prevalent risk factors associated with obesity is the increased risk of cancer. Scientists are narrowing down some of the worst culprits of obesity and their role in that increased risk. Processed meats...
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