by Ed Hinerman | Dec 21, 2010 | cancer, life insurance, smoking
I was reading an article on MSN Health yesterday about how to talk to your doctor. It struck me that the same things would hold true for how to talk to a life insurance (or health insurance) agent. It also reminded me of previous posts where I’ve talked about...
by Ed Hinerman | Dec 21, 2010 | cpap, insurance, life insurance, Sleep apnea
Plenty of people have experienced the nightmare of applying for life insurance after having been diagnosed with sleep apnea. Many companies treat you as if you really are going to quit breathing and not start again. I can argue both sides of this issue, but suffice it...
by Ed Hinerman | Dec 20, 2010 | Independent agent, insurance, life insurance
I started in this business back in 1978 in Wyoming. My “area” was south central Wyoming, home to maybe 40,000 people and 200,000 antelope. I was licensed in Wyoming to do business for Mutual of Omaha and United of Omaha. I don’t really look back at...
by Ed Hinerman | Dec 17, 2010 | American Diabetes Association, diabetes, insurance, life insurance
I have tried for years to get the American Diabetes Association to allow me to help them rewrite their “Life Insurance Information” page on their website. I will put this as bluntly as it needs to be. The ADA doesn’t have a clue about what it takes...
by Ed Hinerman | Dec 16, 2010 | AARP, guarantee, insurance, life insurance
Occasionally I review old posts to update or delete them and sometimes I run across one that I can remember writing. I feel my anxiety disorder getting pumped up. I feel my blood pressure rise and, well, I repost it. From 2008!! With each new magazine or bulletin, my...
by Ed Hinerman | Dec 16, 2010 | Anxiety, insurance, life insurance
There is, I’ve discovered, a common denominator that runs through most of the men and women who have survived medical school, residency and are out there making a living as a physician. In looking back almost all of them would say that, whether they treated it...
by Ed Hinerman | Dec 15, 2010 | coronary artery disease (CAD), decline, life insurance, prostate cancer
I have to admit that if it wasn’t for life insurance applications being declined, we wouldn’t do a lot of business. I’ve shared before that most of our clients come to us because they had life insurance declined elsewhere, or they are afraid that if...
by Ed Hinerman | Dec 10, 2010 | business life insurance, insurance, key man insurance, life insurance
All the way from small partnerships to large corporations there is almost always one or two people that really drive the success of the company. Whether it is the CEO and the way they run the company, the head of sales without whom success as measured by sales...
by Ed Hinerman | Dec 9, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I shared in a post yesterday concerning the ongoing quest to get a life insurance, any life insurance company, to consider offering life insurance for children who have juvenile type 1 diabetes. The email that I sent out to insurance companies was also forwarded to...
by Ed Hinerman | Dec 9, 2010 | conversion, life insurance, term insurance, whole life
Published 12/9/2010, updated 11/25/2019 2009 saw some revolutionary changes in term life insurance, and when I use the word revolutionary I am thinking more like the revolutionary war than revolutionary as in good change. In 2009 there was the introduction of the...
by Ed Hinerman | Dec 8, 2010 | cash value, insurance, life insurance
Let me preface this post by saying that I fully support the public and government efforts to get our country out of debt. Years of irresponsible government and a public that decrys it while at the same time taking advantage of it, have left us beaten down almost to...
by Ed Hinerman | Dec 8, 2010 | cash value, insurance, life insurance
Let me preface this post by saying that I fully support the public and government efforts to get our country out of debt. Years of irresponsible government and a public that decrys it while at the same time taking advantage of it, have left us beaten down almost to...
by Ed Hinerman | Dec 8, 2010 | American Diabetes Association, children's life insurance, diabetes, insurance, life insurance
Those who follow my blog have seen this battle going on for years. I will admit that the steady stream of “no ways” that I have received occasionally dampens my enthusiasm, but an email I received this morning has prompted a resurgence in my efforts. The...
by Ed Hinerman | Dec 7, 2010 | estate taxes, insurance, life insurance
As of yesterday it appears that the President and Congress have reached a deal on a wide variety of tax issues. For the purposes of life insurance and estate tax the latest and most important news is the end to the repeal of estate tax and clear guidelines moving...
by Ed Hinerman | Dec 6, 2010 | death benefit, insurance, life insurance
We’ve all heard some version of the story. A widow that can’t collect on her late husband’s life insurance because of some clause or some rule or something that someone did wrong…. Exclusions are a common question and a very real concern. Some time...
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