by Ed Hinerman | Aug 10, 2010 | cancer, insurance, life insurance
I was on vacation with my wife and granddaughter recently, a “ROAD TRIP”. 3300 miles in 10 days from Colorado through Utah, Idaho, Oregon to Washington, back through Idaho to Montana, south through Yellowstone and back to Colorado. It was a great time....
by Ed Hinerman | Aug 6, 2010 | diabetes, high blood pressure, insurance, life insurance
Non compliance, not following doctor’s orders, is a choice we all come face to face with whenever we leave the doctor’s office. Whether it is a recommended followup or additional testing, prescribed medication that needs to be taken as prescribed to be...
by Ed Hinerman | Aug 4, 2010 | American Diabetes Association, insurance, life insurance
In a post and open email to the American Diabetes Association last year I voiced my disgust with them that ““I have attempted in the past to share information about how diabetes impacts a person’s ability to get life insurance and what it takes and how a person...
by Ed Hinerman | Aug 3, 2010 | bait and switch, insurance, life insurance
Having run across bait and switch situations often during my years in life insurance, and having just run head on into again today, I thought I would share a few thoughts starting with an analogy. Have you ever wondered what a fish must go through when they’re...
by Ed Hinerman | Aug 2, 2010 | incontestability, insurance, life insurance, over 50 life insurance, senior life insurance
There are plenty of stories about life insurance companies squirming out of paying death benefits, so I think it’s fair for a person to question if their beneficiaries will really get what they’ve paid for if the pass away. I’m often asked about the...
by Ed Hinerman | Jul 29, 2010 | Anxiety, Depression, insurance, life insurance
Situational mood disorders such as stress related anxiety or depression are something that probably all of us have gone through at one point or another. We all fall into one of three groups in this area, 1. Those who muddle their way through and are able to get back...
by Ed Hinerman | Jul 28, 2010 | beneficiary, insurance, life insurance
I’m a fan of sorts of National Public Radio. They take the time to talk about a lot of topics that regular radio and television really don’t find profitable and I love to catch “All Things Considered” when I’m traveling. I would...
by Ed Hinerman | Jul 27, 2010 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance
Substance abuse treatment and life insurance underwriting are a delicate dance that if done correctly can be both successful in approval and reasonable rates. Having said that, like any impairment, there are parameters that have to be met. Whether self admitted,...
by Ed Hinerman | Jul 14, 2010 | bipolar, bipolar disorder, insurance, life insurance
Most people that read my blog and call or email about life insurance for people with bipolar disorder or other serious mood disorders seem to be in their mid forties and below. Most but not all. We have had a fair number of successful professionals my age (55+),...
by Ed Hinerman | Jul 13, 2010 | insurance, life insurance, term insurance, universal life, whole life
A few years back I passed on some interesting statistics from a LIMRA study about all of the uninsured and under insured Americans. I offered my thought that the reason these people didn’t buy life insurance was that they couldn’t find someone they trusted...
by Ed Hinerman | Jul 9, 2010 | insurance, life insurance, pilot, private pilots, Prudential
Pru rolled out a 16 page release on their new and improved underwriting guidelines in a number of areas. This comes on the heels of a much ballyhooed rate decrease that didn’t do squat for anyone under 50. Nevertheless there may be some morsels in here that will...
by Ed Hinerman | Jul 7, 2010 | insurance, life insurance, over 50 life insurance
With so much financially unchanged I want to dust off some previous advice and suggest that it was right then and still warrants some consideration. If you are over 50 life insurance may be one of those anchors in the storm that helps us to breath easier. Everything...
by Ed Hinerman | Jul 7, 2010 | Foreign National Life Insurance, foreign nationals, insurance, life insurance
It was only a matter of time before a crack in the US life insurance market opened up to non US citizens and residents. People in the US have been buying financial tools from around the world for years and there isn’t any doubt that if another country had life...
by Ed Hinerman | Jul 5, 2010 | estate taxes, insurance, life insurance
The truth is there are times when there is a legitimate question about whether life insurance is necessary, whether it is the tool for the job. Here are five times that I would submit to you that the answer is clearly buy life insurance. I am leaving the whole issue...
by Ed Hinerman | Jul 1, 2010 | decline, insurance, life insurance
For most being declined for life insurance feels a little like being convicted of a crime that you didn’t commit. It’s also scary not knowing what to do, whether to try again, whether you will be black balled because of the decline, who knows. The problem...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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