by Ed Hinerman | Jun 24, 2009 | Independent agent, insurance, life insurance
An ongoing discussion in this forum is the fact that for so many, the rates you end up paying for life insurance are higher than they need to be simply because you used the wrong agent who used the wrong company. I just want to review a few scenarios where, if your...
by Ed Hinerman | Jun 24, 2009 | insurance, life insurance
Another agent just passed on to me a true story that just defies logic on so many levels. When a person shows up to do your life insurance paramedical exam and ekg, it would be nice to have some confidence that they know what they’re doing. His client had an...
by Ed Hinerman | Jun 23, 2009 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
There is skin cancer, the most common cancer in the United States with over one million cases annually. Not to trivialize, but most of those cases are basal cell or squamous cell carcinoma and are generally easily and successfully treated. It is the third in the trio...
by Ed Hinerman | Jun 23, 2009 | final expense life insurance, insurance, life insurance, universal life, whole life
Some have noted that I’m more than just a little opinionated when organizations and companies try to sell overpriced, under guaranteed term insurance or whole life policies as final expense policies. First let’s kind of define the final expense need so...
by Ed Hinerman | Jun 23, 2009 | insurance, life insurance, private pilots
Behind every good man is a good woman the saying goes. That’s certainly true in my life. Also, behind every successful impaired risk life insurance agent is a talented, well connected General Agent. Impaired risk is an industry term that covers the full spectrum...
by Ed Hinerman | Jun 22, 2009 | bait and switch, life insurance
Bait and Switch! Most commonly run across in advertising or in sales pitches when a price is presented that the agent or agency knows is either inappropriate or unattainable. The truth, the switch, in life insurance is usually only brought to the surface after a long...
by Ed Hinerman | Jun 19, 2009 | insurance, life insurance
Here in Salida, CO on the beautiful Arkansas River we are currently enjoying the annual rafting and kayaking festival called Fibark. I’ve talked in the past about life insurance underwriting takes on hobbies such as skydiving and scuba diving. I’d like to...
by Ed Hinerman | Jun 18, 2009 | AARP, insurance, life insurance, New York Life
New York Life must be on a revenue generation mission. My latest AARP magazine had an advertisement for their AARP group term insurance with an increased limit I hadn’t seen before. You can now “add to your family’s financial security with up to...
by Ed Hinerman | Jun 18, 2009 | cigar smokers, insurance, life insurance
I will post this very quietly so as not to wake the life insurance underwriters who would likely leap on an article like this to do away with the great non smoking rates that cigar smoking applicants are getting right now. By the way, I haven’t seen this...
by Ed Hinerman | Jun 17, 2009 | Anxiety, diabetes, insurance, life insurance, term insurance
Relieve that stress and get away from it all for a little camping. Pictured above is what a few thousand people call getting away from it all every year during the Ride the Rockies bicycle tour. A little bike ride through the mountains with 2000 people. What, are they...
by Ed Hinerman | Jun 17, 2009 | insurance, life insurance, women
What I have hoped to drive home over the past several posts on women and life insurance is really that there is very little difference between men and women and the needs they are trying to meet. I’ve tried, and I hope accomplished, explaining why there is...
by Ed Hinerman | Jun 17, 2009 | Anxiety, bipolar disorder, Depression, insurance, life insurance
You know what really is great about being able to get good rates and place policies in force for those with bipolar disorder? The families are so grateful because of all they’ve been through with the demeaning treatment and declines they have received at the...
by Ed Hinerman | Jun 16, 2009 | insurance, life insurance, women
Moving on with this series of posts on all the variations on the need that women have for life insurance, whether by choice or not we have ever growing numbers of single moms. Of all the different scenarios that women face when it comes to life insurance, perhaps that...
by Ed Hinerman | Jun 15, 2009 | insurance, life insurance, return of premium term insurance, women
The carefree life of the young and single! Been there and done that, and I don’t believe I was the odd person out when I failed to plan for the future. My assumption was that if things changed I would deal with it as it came up. That included any thoughts about...
by Ed Hinerman | Jun 15, 2009 | insurance, life insurance, women
This is a subject worthy of revisiting. Men especially, but women also, underestimate the need for life insurance in almost all scenarios. Even when there should be no other assumption than exactly equal we somehow manage to come up with the wrong answer. If we say...
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