by Ed Hinerman | Jul 22, 2007 | biblical, insurance, life insurance
A friend asked recently if there was any biblical precedence for life insurance. His assertion was that if God takes care of his people, why carry life insurance. I would just offer this from 1 Timothy 5:8, “If anyone does not provide for his relatives, and...
by Ed Hinerman | Jul 21, 2007 | insurance, life insurance
I always laugh a little when I call a fairly new potential customer and someone else answers. When I asked to speak to the customer they will often turn and say, “it’s that insurance guy.” I can tell you that when a life insurance agent does most of...
by Ed Hinerman | Jul 21, 2007 | Alcohol Treatment Life Insurance, Depression, DUI, Independent agent, insurance, life insurance
Clients are always surprised that their alcohol use can be an underwriting issue. Whether a person has been through alcohol treatment, has had a DUI, or just consumes higher than average amounts of alcohol, they present an underwriting challenge on more than one...
by Ed Hinerman | Jul 21, 2007 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
Skin cancer is probably one of the most common forms of cancer, especially here in the sunny southwest and growing up in the Rocky mountains as I did with very little between us and the sun’s UV rays. Sunscreen didn’t show up on the scene until I was in my...
by Ed Hinerman | Jul 20, 2007 | insurance, life insurance, universal life
It occurred to me after reading a study that many retired people might be missing an opportunity to increase their inheritance without any investment risk. This study indicated that the majority of retired people die with significant cash assets untouched. Whether...
by Ed Hinerman | Jul 20, 2007 | Independent agent, insurance, life insurance, private pilots
The life insurance industry has had a love/hate relationship with private pilots going way back. Most of the companies hate to insure them. A handful love to insure them. For most insurance company’s underwriters there must be this sense that the only way a...
by Ed Hinerman | Jul 20, 2007 | breast cancer, cancer, Independent agent, insurance, life insurance
While the word cancer mostly causes distress to the average life insurance agent, many independent agents are well educated and connected to help survivors of breast cancer and many other types of cancer find affordable life insurance. The key for you as a consumer...
by Ed Hinerman | Jul 20, 2007 | cigar smokers, Independent agent, insurance, life insurance, private pilots, prostate cancer, Sleep apnea, term insurance
My grandfather used to do that. He would smoke them and chew them and spit and……well, he had a nicotine habit. Use of nicotine with life insurance companies is a pretty clear cut issue. If you use it, you are in the same rate class as a cigarette smoker....
by Ed Hinerman | Jul 19, 2007 | insurance, life insurance
Some life insurance companies, Transamerica and American General to name two, have stepped off into an area of underwriting that is borderline (or maybe not so borderline) offensive to the people that are subject to the new guidelines. I suspect someone in the near...
by Ed Hinerman | Jul 19, 2007 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
If you are a Northwestern Mutual agent you are bred to believe that life insurance without cash value is, by it’s very nature, evil. Northwestern Mutual has term life insurance products, but they are priced so outrageously high as to lead the casual observer to...
by Ed Hinerman | Jul 19, 2007 | Independent agent, insurance, life insurance, universal life
Every universal life policy sold, is sold as a permanent product. I don’t think there is anything left to the imagination when the word permanent is used. It should never go away. I can assure you that no agents sell universal life policies and tell you that the...
by Ed Hinerman | Jul 18, 2007 | insurance, life insurance, term insurance, universal life
While there are plenty of you out there who paid too much for your life insurance and believe I meant to say “the staggering cost of life insurance”, I meant what I said and I would like to again discuss the idea of staggering or layering your term life...
by Ed Hinerman | Jul 18, 2007 | insurance, life insurance, term insurance, universal life, whole life
Many companies and institutions offer retirement options that are based on how much you want guaranteed during your lifetime and how much you want to continue on to your spouse. Given good health and the proper use of life insurance, you can often have your cake and...
by Ed Hinerman | Jul 18, 2007 | Burial insurance, estate taxes, final expense life insurance, insurance, life insurance, second to die insurance, universal life, whole life
Here’s where you can get a whole helping of my opinion that has grown and matured and reformed and settled since I sold my first whole life policies in 1978. Both whole life and universal life are meant to be permanent insurance. They are meant to be there until...
by Ed Hinerman | Jul 18, 2007 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance, universal life, whole life
Probably the most often asked question in life insurance. What is the difference between term and whole life? I will deal with whole life and universal life at another time, but let’s talk about term and what it’s really made to do. Term life insurance...
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