by Ed Hinerman | Apr 2, 2010 | AIG, insurance, life insurance, Met Life
AIG, parent company of American General Life Insurance, has been a topic of much discussion and disdain after being bailed out to the tune of $180+ billion by the US Government. As American General customers have called in concerned over having their life insurance...
by Ed Hinerman | Apr 1, 2010 | insurance, life insurance, universal life, whole life
“If you need life insurance for more than 20 years, choose whole life; for 10 or fewer years, choose term life. For the time in between, ask a licensed professional to review your situation.” This patently ridiculous advice came from an article titled Term...
by Ed Hinerman | Mar 29, 2010 | Banner Life, insurance, life insurance, universal life
A week or so ago an associate called to tell me that Banner Life had a new no lapse guarantee UL that was going to stir things up. Better guarantees! Better prices! Better underwriting! I had my first opportunity to test it today. I had a lady contact me about a...
by Ed Hinerman | Mar 27, 2010 | insurance, life insurance
There are plenty of ways to paint scary pictures of what could happen if you don’t have life insurance to protect your family. And they’re real, but do we really need them to prompt us to do the right thing. Buying life insurance isn’t something that...
by Ed Hinerman | Mar 25, 2010 | children's life insurance, insurance, life insurance
I’m occasionally asked about adding a child rider on to a new life insurance policy. I say occasionally because the truth is that most parents don’t want to talk about children’s life insurance. One of those taboo things. Being a parent and a life...
by Ed Hinerman | Mar 24, 2010 | A1c, diabetes, insurance, life insurance
Since virtually everyone we work with on life insurance has some kind of health impairment, and since it’s my job to determine how that impairment is going to impact our ability to get affordable life insurance, I depend a lot on people knowing the facts about...
by Ed Hinerman | Mar 23, 2010 | Depression, insurance, life insurance
There’s depression and then there’s depression. I talk to a lot of people who are being treated for mild chronic depression or situational depression and the truth is that from a life insurance underwriting standpoint, there’s not a lot of risk....
by Ed Hinerman | Mar 22, 2010 | AARP, diabetes, insurance, life insurance
When I think advocate, I think, “Yes, someone who can help take some of this weight off of me. Someone who has the experience and the knowledge to get me through this”. I remember sharing my experience with the ADA, American Diabetes Association, a few...
by Ed Hinerman | Mar 19, 2010 | heart attack, insurance, life insurance
Long gone are the days of US Financial Life Insurance and their clinical underwriting that gave so many clients competitive rates, rates they really deserved, within 6 months of an angioplasty or bypass surgery. While those are tough shoes to fill, other companies...
by Ed Hinerman | Mar 17, 2010 | bipolar, insurance, life insurance
Insurance agents annual reviews have gotten a bad name over the years and with some justification. Some agents see it only as an opportunity to sell more and kind of do service as an aside. But don’t underestimate the value of those annual calls. I know before I...
by Ed Hinerman | Mar 16, 2010 | gastric bypass, insurance, life insurance, obesity
America has spent trillions of dollars monitoring, spying on and fighting enemies abroad since its’ inception. Now it would appear that we are being overtaken from the inside, not by armed terrorists, but by fat. Obesity is out to kick our behinds. Now...
by Ed Hinerman | Mar 15, 2010 | bipolar, bipolar disorder, insurance, life insurance
I went to the big city with my wife the other day. Now understand that I dislike shopping about as much as a person can, but a couple of times a year I will give in, amuse my wife, and do it with a smile. That is in sharp contrast to shopping for the best life...
by Ed Hinerman | Mar 12, 2010 | breast cancer, cancer, insurance, life insurance, prostate cancer
Not a week goes that I am not called by someone with a history of cancer. It can be as common and treatable as prostate cancer or breast cancer, or as unpredictable as multiple myeloma. They would like to have life insurance, just like anyone, but insurance quotes...
by Ed Hinerman | Mar 11, 2010 | insurance, life insurance, prostate cancer
I’ve often heard and read several places that most men will get prostate cancer to some degree if they live to a moderately old age. The good news is that, for many, it will have little or no impact on their lives or their mortality. For a great many they will,...
by Ed Hinerman | Mar 10, 2010 | insurance, life insurance, suicide clause
Like cancer and car accidents, there are probably very few of us who haven’t been touched by the loss of a relative or someone we know by suicide. I try to address this sensitive issue a couple of times a year just because I believe a lot of life insurance...
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