by Ed Hinerman | Dec 19, 2007 | breast cancer, cancer, insurance, life insurance
DCIS (ductal carcinoma in situ) is a form of breast cancer that very rarely progresses to the point where it invades any neighboring tissue or spreads to other parts of the body. DCIS is never life threatening. In fact it is considered to be a precancerous condition....
by Ed Hinerman | Dec 19, 2007 | insurance, life insurance, private pilots
A little more than 6 years after 9/11, private pilots can once again land at Reagan Washington National airport…………sort of. The first landing since private aviation was banned into the airport happened today. The pilot was treated to a free...
by Ed Hinerman | Dec 18, 2007 | diabetes, gastric bypass, heart disease, insurance, life insurance, obesity
There are times when diet and exercise just never seem to accomplish what’s needed. There are times when morbid obesity becomes life threatening and a radical approach to control the situation is needed. Bariatric surgery, mostly commonly gastric bypass or lap...
by Ed Hinerman | Dec 18, 2007 | insurance, life insurance, universal life, whole life
My recent post about Suze Orman’s lack of life insurance knowledge struck a chord with another life insurance professional, Jack Bobo. While I disagree with the premise of his article “The Tired Tirade Continues” in National Underwriter Magazine, it...
by Ed Hinerman | Dec 18, 2007 | insurance, life insurance, second to die insurance, universal life
In a post not long ago I mentioned that New York was poised to approve the sale of indexed universal life, a form of universal life that uses market indexes to determine actual cash value above the guarantee. Well, they’re off to the races. I ran a spreadsheet...
by Ed Hinerman | Dec 15, 2007 | Independent agent, insurance, life insurance
30% of Christmas shopping this year will be done on line with no contact with another human at all. At least when you use an independent life insurance agent that is licensed in all the states, even though they aren’t down the block, the agent is human. If they...
by Ed Hinerman | Dec 15, 2007 | insurance, life insurance, term insurance
I recognize as well as anyone just how hard it is to let go of a good deal. There is that human trait that drives us to focus on the bird in the hand and try not to think about the future. The bird in the hand, that low life insurance rate you are paying right now,...
by Ed Hinerman | Dec 14, 2007 | cancer, diabetes, heart disease, insurance, life insurance, obesity, Type 2 diabetes
There isn’t much hiding the fact that cigarette smoking isn’t a healthy lifestyle choice. Life insurance underwriters treat smoking the way they do for very solid reasons. It causes cancer. Cancers it doesn’t cause, it makes worse. It’s linked...
by Ed Hinerman | Dec 14, 2007 | bipolar disorder, cancer, cigar smokers, insurance, life insurance, prostate cancer, Sleep apnea
It is a rare thing in the life insurance industry when there is only one company that takes a stance completely contrary to all of the other companies. Prudential is just that bold. For as long as there has been life insurance and cigarettes, there has been testing to...
by Ed Hinerman | Dec 13, 2007 | insurance, life insurance, term insurance, universal life
For the past ten years term insurance prices have been pretty steadily declining. A combination of competition, product selection and mortality experience improvement has driven term rates to an all time low. Now the front has shifted to the universal life insurance...
by Ed Hinerman | Dec 12, 2007 | insurance, life insurance, private pilots, term insurance, universal life
There has been a lot of jockeying over the past few years in who can make the best offer on life insurance for pilots. Generally the discussion has been around term insurance. When American General backed out of the aviation market, they took with them virtually the...
by Ed Hinerman | Dec 11, 2007 | final expense life insurance, insurance, life insurance
I get calls from children and grandchildren on a fairly frequent basis asking about getting a policy to help with the final expenses of their relative. There seems to be a tendency to start thinking about that when it becomes obvious that mom or dad isn’t going...
by Ed Hinerman | Dec 11, 2007 | diabetes, heart disease, insurance, life insurance
OK. So there’s really no easy way out, but it seems that fasting once a month may have some never before discovered health benefits. This surfaced when a study in Utah showed that Mormons had a lower incidence of heart disease. At first this was attributed to...
by Ed Hinerman | Dec 10, 2007 | insurance, life insurance, return of premium term insurance, term insurance
I’ve talked in the past about a product called return of premium term insurance. It is often touted as “free life insurance”, because if you outlive the term insurance you get a refund of all the premiums paid in. A little more comprehensive take is...
by Ed Hinerman | Dec 10, 2007 | cancer, diabetes, heart disease, insurance, life insurance, obesity, Type 2 diabetes
I become more amazed each day with the way diseases are linked to each. We’ve talked many times about obesity and the link to diabetes, heart disease and cancer. And we’ve talked about the link between diabetes and heart disease in the absence of obesity....
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