by Ed Hinerman | Apr 28, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
I certainly am not going to minimize anything about the swine flu outbreak and if it meets the WHO definition of a “Pandemic” it’s OK with me if they call it that. So I’ve often referred to the type 2 diabetes epidemic and wonder if it would...
by Ed Hinerman | Apr 28, 2009 | guarantee, ING Reliastar, insurance, life insurance, universal life, variable universal life, whole life
Till I’m blue in the face!!! Does the word guarantee mean anything to anyone? It seems like perfectly sensible people’s eyes fog over as soon as someone flashes totally non guaranteed, unsubstantiated, unproven life insurance projections in front of them....
by Ed Hinerman | Apr 27, 2009 | cancer, insurance, life insurance, prostate cancer, PSA
It seems to me of all the major cancers, being the second most common among men, prostate cancer has been a hot bed of breakthroughs and I believe (the world according to Ed) will be the first major cancer that will be rendered null by scientific research. Today more...
by Ed Hinerman | Apr 27, 2009 | beneficiary, conversion, estate taxes, foreign travel, insurance, life insurance, mortality, mortality risk, private pilots, scuba diving, suicide clause
I did a series of posts last year on life insurance policies and have referred back to those posts on several occasions when explaining some specific clauses and options such as the suicide clause and incontestability clause and the conversion option. Now I would like...
by Ed Hinerman | Apr 24, 2009 | basal cell carcinoma, bipolar, bipolar disorder, blood pressure, decline, diabetes, high blood pressure, insurance, life insurance, obesity, Sleep apnea
Compliance and control! I haven’t beat that drum in a while, but that doesn’t change the fact that those two issues are the major underwriting issues in almost all life insurance applications where health is less than perfect. I have used that soapbox most...
by Ed Hinerman | Apr 23, 2009 | bait and switch, insurance, life insurance, term insurance
During this recession many people are turning to term insurance as a way to fill the void left by decimated investment portfolios. Like me, most believe that the hole will eventually fill back up, but in the interim who wants to leave their spouse with a 401k that has...
by Ed Hinerman | Apr 22, 2009 | cpap, insurance, life insurance, Prudential, Sleep apnea, term insurance
Sleep apnea can be nearly a life insurance non issue if it is well controlled, or deemed mild enough by a doctor not to necessitate the need for using a cpap. But it can become an issue when it’s not mentioned to your agent prior to the application process. I...
by Ed Hinerman | Apr 22, 2009 | AIG, ING Reliastar, insurance, life insurance, Prudential
I got a Matrix Direct email today that may shed a little more light on one of the reasons AIG isn’t cutting it. AIG’s American General Life owns the big on line agency Matrix Direct. Not a bad idea for a company that has done so well on line to have their...
by Ed Hinerman | Apr 21, 2009 | bipolar, bipolar disorder, disability, insurance, life insurance
Here in the Rockies we have avalanches and then we have these small chunks of snow that break loose and roll down slopes forming pinwheel looking things. Some of them look kind of like a cinnamon roll. Well, that was a weird way to start to say that our efforts and...
by Ed Hinerman | Apr 20, 2009 | ING Reliastar, insurance, life insurance, Lincoln National, Prudential, term insurance, universal life, variable universal life, whole life
Can you feel it building? It started as a trickle around the first of the year with the announcement that a few companies were considering either discontinuing or raising the rates on the universal life no lapse guarantee products. It didn’t take any huge leap...
by Ed Hinerman | Apr 18, 2009 | Dave Ramsey, insurance, life insurance, Prudential, term insurance
There are several options available for paying your life insurance premium. To see it advertised you would think that the only options are monthly. Of course the reason for advertising monthly rates is well known. Giving a potential customer sticker shock by making...
by Ed Hinerman | Apr 18, 2009 | insurance, life insurance, term insurance
I know Selectquote blows a cork every time I say something about them, but I have contended in the past that their after the sale customer service is non existent and I would just like to reiterate that point. As discussed in a recent post, there is actually great...
by Ed Hinerman | Apr 18, 2009 | ING Reliastar, insurance, life insurance, term insurance
Some years ago Reliastar, a perennial powerhouse in the term insurance business, seemed to fall to pieces. They quit communicating with agents and their underwriting started to take so long that agents that cared actually started to be concerned about the length of...
by Ed Hinerman | Apr 17, 2009 | life insurance, ratings
First published 4/17/2009, updated 11232109 Since the economic meltdown of 2008 more people have asked if the life insurance companies I recommend are financially sound. Fair question! Here at Hinerman Group we use A.M. Best as the benchmark for what companies we...
by Ed Hinerman | Apr 15, 2009 | diabetes, heart disease, insurance, life insurance
I’ve written plenty about the road that someone with diabetes has to deal with in getting life insurance, but for just a few minutes I’d like to step out of my life insurance shoes for a minute and talk about the critical issue of those who don’t...
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