by Ed Hinerman | Aug 14, 2007 | cancer, heart attack, insurance, life insurance, term insurance
Whatever the name it’s given for a particular situation, death bonds, viaticals, investor owned life insurance, life settlement…..it all comes down to a large step away from what life insurance ought to be, and a blemish on the integrity of the life...
by Ed Hinerman | Aug 14, 2007 | Fat March, insurance quotes, life insurance
My goal for following the ABC show Fat March has been to bring attention to the fact that people can get life insurance at affordable rates even if they are overweight in most instances. I also wanted people to see, as the participants drop weight, what a difference...
by Ed Hinerman | Aug 13, 2007 | cancer, Independent agent, insurance, life insurance, private pilots, skydiving
I finally got my wife to look the other way while I jumped out of an airplane this year. She’s always so nice about asking me what I want for my birthday, and for the past 5 years I’ve been telling her I wanted to try skydiving and that would be a great...
by Ed Hinerman | Aug 13, 2007 | Independent agent, insurance, life insurance, private pilots
Scuba diving is a topic, or an avocation as they like to put it, that has insurance companies all over the map as far as how it is underwritten. If you are an avid scuba diver, you definitely want to enlist an independent agent to help you find the best life insurance...
by Ed Hinerman | Aug 13, 2007 | cancer, heart disease, Independent agent, insurance, life insurance, stroke, Type 2 diabetes
Just to follow on up on all the discussion that started with my post last week that will follow “Fat March” participants as they lose weight on national TV. I felt it would be informative for anyone who is dealing with weight issues to know that life...
by Ed Hinerman | Aug 9, 2007 | Independent agent, insurance, life insurance
The answer to that question has changed some over the years. In the 70’s the rule was that you could pretty much buy all of the life insurance you could pay for. If you made $20,000 a year and wanted to use half of that to buy a $10 million dollar life insurance...
by Ed Hinerman | Aug 9, 2007 | cancer, cholesterol, diabetes, heart disease, hepatitis, high blood pressure, insurance, life insurance, stroke
Barry Bonds now has more home runs than anyone in history. 756!! I tried hitting 50 mph balls in a batting cage one time and hit like one out of twenty or so and it was not home run material. I’m impressed. Some people say he got there with the use of steroids....
by Ed Hinerman | Aug 9, 2007 | Independent agent, insurance, life insurance
The question comes up with some frequency. Someone is pregnant and it suddenly dawns on them that life insurance is a good idea because there’s going to be this little “insurable interest” (industry term) running around before long. Can I get life...
by Ed Hinerman | Aug 8, 2007 | insurance, life insurance, obesity
I watched the beginning 15 minutes of a TV show the other night called Fat March where 6 men and 6 women, all substantially overweight to morbidly obese, were going to walk 500 miles to see how many pounds they could shed. Unlike most folks trying to lose weight, if...
by Ed Hinerman | Aug 8, 2007 | diabetes, heart disease, Independent agent, insurance, life insurance, obesity
After being beat up by a body mass index calculator yesterday, I have found an ally in my new found health problem. While life insurance underwriters still take a stance that obesity and some of it’s ugly cousins, diabetes and heart disease, are not going to get...
by Ed Hinerman | Aug 7, 2007 | basal cell carcinoma, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
While it may be too late for those of us who grew up in the 50’s and 60’s, wearing our sunburns with pride, using sunscreen can certainly cut down on future cases of skin cancer. We have gone over the life insurance underwriting differences of the three...
by Ed Hinerman | Aug 7, 2007 | diabetes, Independent agent, insurance, life insurance, private pilots, Sleep apnea, Type 2 diabetes
There is a misconception in life insurance that there is a common thread running through all the companies and kind of like buying hamburgers, they’re all pretty much the same and all of them charge about the same. The truth is that the differences between life...
by Ed Hinerman | Aug 6, 2007 | insurance, life insurance, term insurance, universal life, whole life
A client today from Indiana, was telling me about their life insurance policy that was good until 2064. That would be to her age 95. She, like so many people, are really not quite clear on what they have. In her case she had a 30 year term policy. The guaranteed level...
by Ed Hinerman | Aug 6, 2007 | diabetes, heart disease, insurance, life insurance, obesity
The number of health problems that could be avoided with a change away from fast food eating habits is huge. The amount of money that could be saved on life insurance if that habit were shot and left for dead would be huge. But ours’ is a society that is easily...
by Ed Hinerman | Aug 6, 2007 | insurance, life insurance
Gosh. I thought it was going to be a pretty normal Monday. Feeling good. Got to play some golf over the weekend. Then MSN shook up my world by letting me know that I am overweight. Just for giggles I clicked on a body mass index calculator on MSN’s diet and...
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