by Ed Hinerman | Aug 3, 2011 | cholesterol, HDL, insurance, life insurance
Just when you have everything comfortably figured out some scientist or doctor or study throws a curve ball at you. Cholesterol was something we all finally got. We knew that if our cholesterol was 200 or under and our LDL, HDL and triglycerides were in the...
by Ed Hinerman | Aug 1, 2011 | business life insurance, insurance, life insurance, over 50 life insurance
For a lot of people reaching the big FIVE O, is a moment to ponder. “Ok. I’m halfway to 100. Most people I know who are a hundred are dead.” Maybe being over 50 life insurance should start flashing on the radar. Little blips saying “you...
by Ed Hinerman | Jul 27, 2011 | AARP, final expense life insurance, insurance, life insurance, no exam
I know that you know that I seem to have a real case of the can’t shut ups when it comes to the New York Life / AARP life insurance program, but AARP is so in the face of our country and especially the elderly among us, well, it’s become kind of personal....
by Ed Hinerman | Jul 26, 2011 | insurance, life insurance, smoking
As independent life insurance agents there is a kind of longing for the good old days when US Financial offered non smoking rates to social smokers and when CNA would issue a policy to a smoker at non smoking rates, with the caveat that they had to quit smoking within...
by Ed Hinerman | Jul 26, 2011 | bait and switch, cancer, heart disease, Independent agent, insurance, life insurance
I am left shaking my head occasionally when I hear a client say that my quote is much higher than some other quote they have received. Since I shop virtually every case I quote I am confident when I send out quotes, well, they are as good as it is going to be after...
by Ed Hinerman | Jul 21, 2011 | accidental death, bait and switch, insurance, life insurance
I have written a lot in the past year about the availability of a very fairly priced AD&D product from a company that covers everything from simple AD&D to war risk for civilian contractors working in Afghanistan. The company that offers the coverage is...
by Ed Hinerman | Jul 15, 2011 | AARP, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
The life insurance industry, at least the final expense life insurance industry would certainly love for you to believe that over 50 life insurance is a minefield with disaster written all over it. Suddenly you must be perceived as a greater life insurance risk as the...
by Ed Hinerman | Jul 12, 2011 | heart attack, insurance, life insurance
The internet has come a long way and is an amazing research tool. It is not uncommon for people to make major medical treatment decisions based on their own research even when it runs counter to their doctor’s recommendation. It has to drive doctors nuts and I...
by Ed Hinerman | Jul 7, 2011 | cancer, insurance, life insurance, suicide clause
Ah, the fine print. Somewhere in that life insurance policy must be something written so small and obscurely that it can never be found by a mere human that excludes my family from being paid no matter how I die. All I am doing is paying money to an insurance company...
by Ed Hinerman | Jul 6, 2011 | accelerated death benefit, conversion, insurance, life insurance
A few days ago I was on a bit of a rip over the subjects of conversion privileges and how far too many companies are changing products offered to non guaranteed UL’s, rather than permanent products. The answer lies somewhere in a slight of hand the companies are...
by Ed Hinerman | Jun 28, 2011 | Anxiety, Depression, insurance, life insurance
As any physician, attorney, dentist or CEO will confess, the journey from student to professional is not one for the faint of heart. For many it can be the most stressful part of their life as physicians reach residency and attorneys study for and take bar exams. Much...
by Ed Hinerman | Jun 27, 2011 | accidental death, contestability, death benefit, hazardous activities, insurance, life insurance, pilot, private pilots, scuba diving, skydiving
Let’s start with the good news. If you have life insurance in force and you took up your hazardous activity after putting that life insurance policy in force, and didn’t apply for the insurance because you were anticipating taking up the dangerous hobby,...
by Ed Hinerman | Jun 23, 2011 | conversion, insurance, life insurance
I contacted the NAIC, National Association of Insurance Commissioners about the general issue of consumer abuse through conversion option changes. A trusted source at the NAIC was kind enough to reply and ask me to send specific questions “Thanks so much for...
by Ed Hinerman | Jun 22, 2011 | conversion, insurance, life insurance, term insurance, universal life
I got a company memo today, that in light of all of the companies who have gone the wrong direction in the last year, caught my eye. “Delivering on Promises”. I wasn’t even sure what it was going to be about but I was pretty sure this would be...
by Ed Hinerman | Jun 22, 2011 | gastric bypass, insurance, life insurance, obesity
I’ve written frequently about the stigma that goes with being obese and choosing to have gastric bypass or bariatric surgery. I have to admit there was a time in my distant path when I looked at it as the easy way out. It was what people did if they didn’t...
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