by Ed Hinerman | Mar 24, 2012 | Active Duty Military Life Insurance, children's life insurance, conversion, insurance, Juvenile life insurance, life insurance
I went to war with the life insurance industry several years ago over the issue of children with impairments not having access to coverage, even at a higher rate than the standard rate they offer perfectly healthy kids. The issue came up when I shopped for life... by Ed Hinerman | Nov 28, 2011 | insurance, Juvenile life insurance, life insurance, mortality risk
Parents and grandparents need look no further for the perfect gift for your child or grandchild than the life insurance industry. Let’s just be stone cold real about this. Children often wait until they are in their 40’s to consider getting life insurance.... by Ed Hinerman | Oct 7, 2008 | blood pressure, cancer, decline, diabetes, Fat March, heart disease, high blood pressure, Independent agent, insurance, Juvenile life insurance, life insurance, obesity, stroke, term insurance, universal life
If you talk to most life insurance applicants who fall into the obese or morbidly obese categories according the their BMI, they have usually been told that they aren’t insurable or that the prices are so high as to render uninsurable because they can’t... by Ed Hinerman | May 3, 2007 | breast cancer, business life insurance, buy/sell life insurance, cancer, children's life insurance, guaranteed issue life insurance, heart attack, insurance, Juvenile life insurance, life insurance, melanoma, Type 2 diabetes
How often do we hear it? A friend or family member has had a heart attack or been diagnosed with cancer at an age that is just, well….wrong! We expect health problems and death when someone gets into their 80’s. It’s not nearly so common in their... by Ed Hinerman | Mar 4, 2007 | Burial insurance, final expense life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life
Want to throw a wet towel on an adult conversation? Ask your friends how much life insurance they carry on their children. The normal answer would run the gammet from, “why would I do a thing like that” to “that’s not something I want to talk... by Ed Hinerman | Feb 11, 2007 | children's life insurance, guaranteed issue life insurance, insurance, Juvenile life insurance, life insurance, term insurance, universal life
My experience is that there is actually a mindset, especially with parents, that if they carry life insurance on their child they could somehow increase that child’s chance of an early death. Let me assure you that there is no statistical link between a...
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