by Ed Hinerman | Jun 14, 2007 | business life insurance, buy/sell life insurance, Independent agent, insurance, life insurance
Most small businesses, which provide the majority of employment, kind of fly by the seat of their pants when it comes to the area of life insurance and a business continuation plan. Just some food for thought. In the US today, you are more likely than not to either...
by Ed Hinerman | Jun 13, 2007 | foreign travel, Independent agent, insurance, life insurance, skydiving
The discussion went smoothly. A family from Georgia, the wife looking for insurance to replace a term policy on her husband that was coming to the end of the guarantee. Good health. A little family history hiccup, but not a big deal. Then I asked about foreign travel...
by Ed Hinerman | Jun 11, 2007 | heart attack, high blood pressure, hypertension, Independent agent, insurance, life insurance, stroke
When faced with the reality that life insurance rates are going to be higher than expected due to high blood pressure readings on an insurance exam, denial is the mode of the day. People don’t deny that their blood pressure was high. It just follows that there...
by Ed Hinerman | Jun 7, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, Type 1 diabetes, Type 2 diabetes
There are many health things in life that just jump up and grab you. You never see it coming and you would have never dreamed of the impact it could have on your life. The question inevitably runs through your mind. What did I do to deserve this? What could I have...
by Ed Hinerman | Jun 7, 2007 | Alcohol Treatment Life Insurance, cancer, Depression, Drug Treatment Life Insurance, estate taxes, heart disease, insurance, life insurance, private pilots
A Simon and Garfunkel song with the line, “my lack of education hasn’t hurt me none”. Well that may be just fine for most life insurance agents, but the fact that it hasn’t “hurt them none” isn’t really the point. How many...
by Ed Hinerman | Jun 5, 2007 | cancer, coronary artery disease (CAD), heart disease, insurance, life insurance
You gotta love technology. Sometimes the medical science types can come up with a test that is so……….so………..all inclusive, that it falls short in the category of providing statistically significant useful information. One such...
by Ed Hinerman | Jun 3, 2007 | cholesterol, heart attack, insurance, life insurance, obesity
There is a real tendency, especially among the guy population, to not really have a firm grasp on what life insurance is all about! I have been staying in touch with a guy in Connecticut, for two years now. He inquired about life insurance, but decided because he was...
by Ed Hinerman | Jun 1, 2007 | Alcohol Treatment Life Insurance, breast cancer, cancer, guaranteed issue life insurance, heart attack, Independent agent, insurance, life insurance, Type 2 diabetes
I think I’ve mentioned before that there is a real propensity in the life insurance business for agents to be so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the job....
by Ed Hinerman | May 30, 2007 | Anxiety, heart attack, heart disease, high blood pressure, insurance, life insurance, seizure disorder, stroke
Having done a rather narrowly focused, completely unscientific survey, I have determined that snakes should probably have some underwriting significance when it comes to life insurance. Here are a few examples. A woman in her 60’s who was known to have heart...
by Ed Hinerman | May 30, 2007 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, Independent agent, insurance, life insurance, term insurance, universal life
Whether it is youthful indiscretion or taking the wrong route in dealing with with real life grown up issues, alcohol and drug abuse are no stranger to anyone. If we haven’t been there ourselves, we certainly know of someone who has. Some never get past it....
by Ed Hinerman | May 26, 2007 | accelerated death benefit, cancer, Independent agent, insurance, life insurance, stroke
Terminal illness! How many times a day is a person told, or a family told that a person only has months to live? Often this news comes after a stroke that requires extensive medical care in ICU, or after a long battle with cancer. Medical bills pile up and, because...
by Ed Hinerman | May 25, 2007 | cancer, Depression, heart disease, insurance, life insurance
I swear the medical community could use one extra course before someone is given the license to practice medicine. There is a profound problem in the integrity of the information that is put into medical records. It runs the gamut from casually putting irrelevant...
by Ed Hinerman | May 24, 2007 | Independent agent, insurance, life insurance, private pilots
Private pilots are often caught in a dilemma when buying life insurance, a dilemma that can be overcome if you use an independent agent with experience in working with pilots. The dilemma is that most companies want you to fly the number of hours they feel it takes to...
by Ed Hinerman | May 23, 2007 | diabetes, heart disease, high blood pressure, hypertension, Independent agent, insurance, life insurance, stroke
Well, I guess that depends on the context of the question! I’ll break it into two parts and see if we can make some sense of it. We’ve all had our blood pressure taken at some time and we know that there is the top number (systolic) and the bottom number...
by Ed Hinerman | May 22, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer, PSA
Everyone seems to know someone who has been affected by breast cancer. While still a horrifying diagnosis, breast cancer is eminently more curable than 30 years ago and as early diagnosis and treatment success increases, affordable life insurance is becoming more and...
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