by Ed Hinerman | Aug 17, 2009 | insurance, life insurance, term insurance, universal life, whole life
The age old debates about what type of life insurance to buy and at what age a person should definitely have life insurance will go on long beyond me. But this morning I just want to weigh in on with a little different perspective. There are two things that I think we...
by Ed Hinerman | Aug 13, 2009 | insurance, life insurance, term insurance, universal life
When it comes to universal life insurance policies that question could be asked both of the people who own the policies and the companies that sold them. We are currently collaborating on an article that will hopefully bring the picture into focus, that picture...
by Ed Hinerman | Aug 13, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
I written several times about a major term life insurance company that took the unprecedented step of saying they would allow, in the absence of other risk factors, their preferred plus rate class for some people over 60 with type 2 diabetes. Their only other...
by Ed Hinerman | Aug 12, 2009 | bipolar disorder, insurance, life insurance
Back “in the day” families had an insurance agent. It really didn’t matter what type of insurance they needed. If they wanted auto, homeowners, health, life, disability income or anything else, they went to the family agent. In most cases the agent...
by Ed Hinerman | Aug 10, 2009 | incontestability, insurance, life insurance
I really think it says something about the morals of our country when people will potentially put their family protection through life insurance at risk by lying and attempting to defraud the company that is willing to help protect their family’s future. I guess...
by Ed Hinerman | Aug 6, 2009 | cholesterol, high blood pressure, insurance, life insurance
I am beginning to believe that our little mountain town here in one of the healthiest states according to several studies, is home to a bunch of closet cholesterol snarfers. I know you don’t really snarf cholesterol, but I also know that if you do the typical...
by Ed Hinerman | Aug 4, 2009 | estate taxes, insurance, life insurance
In my mind the estate tax changes made in 2001 were a great idea with a great direction and one of the stupidest endings that could be thought up. Why would Congress and the President go so far to finally bring something out of the dark ages and make it fair, only to...
by Ed Hinerman | Aug 3, 2009 | estate taxes, insurance, life insurance, second to die insurance
While it certainly isn’t our duty to work our tails off all of our adult lives just so we can leave the legacy of an estate to our heirs, I saw a study a few years ago that indicated that it really was the goal, a desire, of the boomer generation and our...
by Ed Hinerman | Jul 31, 2009 | buy/sell life insurance, insurance, life insurance
What happens to a business partnership when one of the partners passes away is of particular interest to both the family of the deceased and the surviving partner. If a plan is in place the transition can go smoothly. If there is no plan in place it can be...
by Ed Hinerman | Jul 30, 2009 | insurance, life insurance, universal life, variable universal life, whole life
In preparing to help write an article about the catastrophic meltdown of traditional universal life insurance policies I was seeking some industry assistance in nailing down approximately what percentage of the total number of UL’s were in danger of imploding....
by Ed Hinerman | Jul 30, 2009 | insurance, life insurance, multiple sclerosis
Other than writing across the top of your life insurance application, “Please decline this application”, I can’t think of a surer way to get declined than to decide to blow off your doctor’s advice and substitute your own without ever...
by Ed Hinerman | Jul 28, 2009 | incontestability, insurance, life insurance, suicide clause
I was recently interviewed by bankrate.com and MSNBC concerning some aspects of why life insurance companies might refuse to pay a death benefit. From the perspective of the consumer it seems there is a belief that companies really search for ways not to pay. In spite...
by Ed Hinerman | Jul 27, 2009 | cholesterol, insurance, life insurance
It always amazes me the way men proclaim how many years it’s been since they’ve seen a doctor and say it like they’re proud, like it’s a badge of honor to ignore your health. I’ve been working on a life insurance application for a local...
by Ed Hinerman | Jul 27, 2009 | blood pressure, hypertension, insurance, life insurance
There’s nothing that will raise your blood pressure quite like finding out that you are going to have to pay more for your life insurance because you are treated for high blood pressure. Even when it’s well controlled almost all companies feel they need to...
by Ed Hinerman | Jul 25, 2009 | insurance, life insurance
The biggest of the on line life insurance agencies is a master at tying up customers and shielding them from the truth and often better deals that might come from competitors. Bait and switch is the first line of offense or tactic. I’ll use a very recent true...
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