by Ed Hinerman | Jul 17, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, term insurance
The thought of a life insurance agent, for many, conjures up a picture of someone showing up at the house and sitting in the living room with you and very often using a flip chart type of graphic to drive home the point about why you need exactly what he came there to...
by Ed Hinerman | Jul 16, 2007 | heart attack, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
The average person who purports to be a life insurance agent will a rather adverse reaction if you tell them you want life insurance and openly admit that you have heart disease. It doesn’t matter if you have just had minor blockage that was treated medically,...
by Ed Hinerman | Jul 16, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
The very thought of trying to find life insurance for someone who has had prostate cancer would send 98% of life insurance agents screaming into the dark. Most would just tell you, without asking any questions, that you are uninsurable. About 80% of prostate cancer...
by Ed Hinerman | Jul 13, 2007 | insurance, life insurance
1. Lie to the agent about a significant health issue! Life insurance companies are going to obtain your medical records and when they find out they’ve been lied to, they don’t want your business. 2. Don’t do what your doctor recommends! Your...
by Ed Hinerman | Jul 12, 2007 | cholesterol, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea
The industry norm for underwriting sleep apnea has been the same for years until the Rock rocked the boat. Mild to moderate sleep apnea has historically been underwritten at a standard or possibly a standard plus rate depending on compliance with cpap use and a sleep...
by Ed Hinerman | Jul 12, 2007 | arrythmia, atrial fibrillation, heart attack, heart disease, life insurance
According to the American Heart Association, about 2.2 million Americans have atrial fibrillation, a form of arrhythmia to some degree. It seems like this year about half of them have inquired about life insurance through our office. Like most health issues, life...
by Ed Hinerman | Jul 11, 2007 | heart attack, insurance, life insurance
If you’re looking for a fascinating read, try your own medical records sometime. It runs the gamut from comedy to mystery and there’s even parts of it that might fall into the non fiction class. Be prepared though. What you think you’ll find when you...
by Ed Hinerman | Jul 6, 2007 | cancer, insurance, life insurance
You ever wonder why life insurance companies are so tentative, so cautious when underwriting cancer cases? Ever wonder why doctors are so cautious about offering a prognosis on cancer? With as much research and study that has gone into cancer and treatment you would...
by Ed Hinerman | Jul 2, 2007 | diabetes, heart attack, Independent agent, insurance, life insurance, private pilots, Type 1 diabetes, Type 2 diabetes
This, for me, just falls into the “go figure” category. Two of the best companies from a product and underwriting stance, MONY and US Financial, were purchased within the last year by AXA Equitable. For a while nothing changed and then snap (my imitation...
by Ed Hinerman | Jul 2, 2007 | basal cell carcinoma, cancer, insurance, life insurance, private pilots, squamous cell carcinoma
Life insurance giant AIG, American General led the way for years in offering the best deals for private pilots looking for life insurance. They took over the market and dominated for several years……and then they bailed. From my perspective it looked like...
by Ed Hinerman | Jun 29, 2007 | cancer, heart disease, insurance, life insurance, stroke
I really think they are probably faking the shock and amazement when they find out they don’t get those life insurance rates advertised everywhere, because those are non smoking rates and they smoke. Surely they’ve slipped up at least once and read the old...
by Ed Hinerman | Jun 27, 2007 | diabetes, high blood pressure, Independent agent, insurance, life insurance, private pilots, Sleep apnea
Most sleep apnea is diagnosed first by the person sleeping next to the apneatic. While on a trip to Mississippi after Hurricane Katrina I got to experience firsthand the room shaking impact of sleep apnea. Having some knowledge of the problem and knowing that I could...
by Ed Hinerman | Jun 25, 2007 | cancer, insurance, life insurance, melanoma, term insurance
Another overly diligent life insurance shopper shot themselves in the foot today. Remember, three things can happen while you are looking for the best possible rate. One of them is good and I’ve seen people even turn that one against themselves. 1. The good one....
by Ed Hinerman | Jun 19, 2007 | DUI, Independent agent, insurance, life insurance
I am often asked why I need to know someone’s driver’s license number when they are applying for life insurance. “What’s that got to do with it”? Life insurance companies have found a glance at a motor vehicle report to be helpful in...
by Ed Hinerman | Jun 15, 2007 | cancer, heart disease, insurance, life insurance, stroke, term insurance
Somewhere in the education system for financial planners, the curriculum missed one little detail. People die unexpectedly! Estate planning attorney’s missed that class also. For all the good that can come from the advice of either profession, none of the advice...
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