by Ed Hinerman | Jun 15, 2009 | insurance, life insurance, women
There is a real tendency in the whole conversation about life insurance to leave women out of the conversation entirely or at best to make them an “add on” thought. The truth is that as almost all families either are or are becoming second income...
by Ed Hinerman | Jun 15, 2009 | Banner Life, insurance, life insurance
I know I have beat the subject to death and beat up on other agents who don’t beat the subject to death, but allow me to begin this Monday by sharing with you the actual cost of dragging your feet. This particular example actually is a long time friend of mine...
by Ed Hinerman | Jun 12, 2009 | insurance, life insurance, TIAA
This is a question that comes up occasionally. Usually someone wants to bind new coverage because the price just went up on their old policy, or because they want something in force for business purposes or due to upcoming travel. The old way of “binding”...
by Ed Hinerman | Jun 11, 2009 | angioplasty, coronary artery disease (CAD), heart attack, insurance, life insurance
Angioplasty has been praised for its’ less invasive approach to fixing clogged arteries than the traditional bypass surgery by many and it has been labeled a dangerous scam by others. In light of a couple of takes on angioplasty by CBS news this week I want to...
by Ed Hinerman | Jun 10, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
Wanted. 60+ year old type 2 diabetic. Diagnosed in last 5 years. Good control with A1c 7.0 or better. No complications. You have won the prize. I’ve been working with the diabetes community for a long time and never thought I would be able to announce that a...
by Ed Hinerman | Jun 9, 2009 | insurance, life insurance, term insurance, universal life
I’m starting to think my soapbox needs a tune up. I started late last year warning about the appearance of the impending end of the downward trend in term insurance rates. I also started fussing about what appeared to be a shift in both the price, rate...
by Ed Hinerman | Jun 9, 2009 | Anxiety, bipolar disorder, Depression, insurance, life insurance
I was asked by my office manager this morning if bipolar disorder/manic depressive disorder was more prevalent in people around her age, in her 30’s, than people my age, in my 50’s, because the majority of people who react to our advertising and blogs are...
by Ed Hinerman | Jun 9, 2009 | insurance, life insurance
I’ve often written in the past about the value, actually the necessity of getting trial offers on any case that doesn’t fit into cookie cutter underwriting guideline molds for life insurance. And frankly, unless the mold it is already in is the best rate...
by Ed Hinerman | Jun 8, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
Usually the first shot in the arsenal of ways to deal with type 2 diabetes is diet and exercise. The great thing if it works is that the diabetes can be controlled or beaten, a life style changed, and absolutely no negative side effects. The American Heart Association...
by Ed Hinerman | Jun 8, 2009 | decline, insurance, life insurance
A life insurance decline doesn’t do anyone much good. The client doesn’t get the insurance and the agent and company spend time and money getting to that conclusion and lose money because nothing is ever purchased. Just so no one thinks I’m starting...
by Ed Hinerman | Jun 5, 2009 | A1c, diabetes, insurance, life insurance
For years there has been plenty of debate in the medical community over the best measure for diagnosis of diabetes, or more specifically, which test gives the most accurate assessment for that diagnosis. For years life insurance companies have used the A1c as a...
by Ed Hinerman | Jun 5, 2009 | insurance, life insurance, private pilots, student pilot
The cost of being a private pilot can be staggering anyway you go about it. One area that you can keep the cost down in is your life insurance, if you do your homework and pick the right agent. Student pilots face their first gut check when they find out, on average,...
by Ed Hinerman | Jun 4, 2009 | insurance, life insurance
How often have I been asked if there is a formula for determining how much life insurance a person should carry? Plenty of formulas out there from the simple, 10x annual income to the ridiculously complex, but what really answers the question? Needs analysis spans...
by Ed Hinerman | Jun 4, 2009 | cholesterol, insurance, life insurance
If I had to choose one life insurance underwriting guideline that causes more consternation than any other it would be the subject of cholesterol. I still get all tied in knots over the debate concerning cholesterol that I had with ING Reliastar In December and...
by Ed Hinerman | Jun 3, 2009 | cholesterol, insurance, life insurance
A potential life insurance client was interviewing me the other day and asked why he should put confidence in my quote for a better rate on term life insurance than he was currently paying. Certainly a fair question and one that goes right to the meat of our business...
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