by Ed Hinerman | Dec 29, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, universal life, whole life
When I sold my first final expense (burial) life insurance policy nearly 30 years ago, it had a face amount or death benefit of $7000. It was certainly, at that time, adequate to properly bury someone and even have a little left over to host a wake. I still get 10-20...
by Ed Hinerman | Dec 29, 2007 | bipolar disorder, blood pressure, diabetes, high blood pressure, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
That could be true of any part of your life. The truth is that compliance with motor vehicle laws and controlling your urge to speed can help you avoid violations that can, in fact, impact your life insurance rates. But generally speaking, from a life insurance...
by Ed Hinerman | Dec 28, 2007 | insurance, life insurance, term insurance, universal life
Technology has taken the life insurance business, and everything else, by the throat over the past several years, but for all the savvy geeks have when it comes to how the internet works, is there really any carry over from that intelligence to the basic knowledge it...
by Ed Hinerman | Dec 28, 2007 | bipolar disorder, insurance, life insurance
Oh, if it was just that easy! Bipolar can be one of the toughest of mood disorders to get a handle on. Some are lucky enough to find the break in one medication. For some it can take several medications. One of the biggest challenges with bipolar disorder is finding...
by Ed Hinerman | Dec 28, 2007 | insurance, life insurance, private pilots
Private aviation, especially with the rising cost of fuel, has been hit hard in one of the areas that life insurance underwriters look at closely, proficiency. In this case proficiency really comes down to flying enough hours that each new flight isn’t liking...
by Ed Hinerman | Dec 27, 2007 | insurance, life insurance
Investment or rental property is a great way to supplement your income and help solidify and diversify your retirement portfolio. The way you find the best investments is to find a professional real estate agent who puts your goals above everything else. Absent that...
by Ed Hinerman | Dec 27, 2007 | insurance, life insurance
Guys, guys, guys, guys, guys! If we don’t pull it together soon, or cull out the stupid ones, women are going to start showing us what life insurance is really for. I swear not a week goes by that I don’t have a conversation with a husband in which they...
by Ed Hinerman | Dec 27, 2007 | diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
The last time I played tennis I remember it being a significant workout. That was especially true because I was on the losing end of the game, meaning I ran twice as far and hard as the person who knew how to play. Bad news for those attempting to replace your daily...
by Ed Hinerman | Dec 26, 2007 | bipolar disorder, breast cancer, cancer, diabetes, epilepsy, heart attack, heart disease, insurance, life insurance, prostate cancer, Type 1 diabetes, Type 2 diabetes
I just did a quick gut check on my blogging efforts over the past year. Who really cares about what I believe and what I know about life insurance? Who reads this and really believes that I can do what I claim? I have had more than just a little interest in weblogs...
by Ed Hinerman | Dec 26, 2007 | children's life insurance, Independent agent, insurance, life insurance, private pilots
There are nearly 2000 companies in the US that purport to be life insurance companies. When you work your way through all of the “sort of’s” and “wanna be’s”, and get down to those companies that are serious about the products they...
by Ed Hinerman | Dec 24, 2007 | bipolar disorder, Independent agent, insurance, life insurance
Since studying and becoming more active in the life insurance needs of people with mood disorders, it has become apparent that many life insurance agents and companies have a knee jerk reaction to anyone with bipolar disorder. And those knees aren’t jerking in...
by Ed Hinerman | Dec 24, 2007 | heart attack, insurance, life insurance
During this time of year when the focus should be all about family, fun and the joy of having survived another one (year that is), there looms an annual health challenge that can ruin all the plans and hopes of the season. The Christmas/New Year’s season is also...
by Ed Hinerman | Dec 21, 2007 | gastric bypass, heart disease, insurance, life insurance, obesity
Bariatric surgery, such as gastric bypass, has usually been reserved for people who would qualify based on body mass index as morbidly obese. A body mass index of 40 or more qualifies as morbidly obese. Newer thinking is leaning toward broadening the criteria. While a...
by Ed Hinerman | Dec 21, 2007 | insurance, life insurance, private pilots
I follow Adam Aircraft with particular interest because their planes are built not too far from here in Colorado and also because George Adam is a life insurance client of mine from a time when we (Bill Fanning from the Pilot Insurance Center assisted me)Â had to...
by Ed Hinerman | Dec 20, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer
There’s that saying about beating a dead horse. Some days I wonder if the saying came about before me or because of me. Early detection of cancer is so critical to a good outcome, that I will continue to beat the horse, even though it’s dead, in hopes that...
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