by Ed Hinerman | Mar 19, 2009 | insurance, John Hancock, life insurance, Protective Life, Prudential, term insurance, universal life, whole life
With the latest news coming today it is no longer conjecture on my part. The downward trend of the past 15 years in life insurance has hit bottom. ING Reliastar today announced increases in their term insurance rates. I guess the only good news coming from them is...
by Ed Hinerman | Mar 19, 2009 | breast cancer, cancer, insurance, life insurance
Breast cancer has been a source of ongoing discussion and some great victories over the past five years in life insurance. Earlier detection and advanced treatment has helped underwriters take a more aggressive stance and provide better offers than ever before. Having...
by Ed Hinerman | Mar 19, 2009 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Big news yesterday. Two studies that have been going on over the last 10 years threw a lot of doubt as to the value of the PSA (prostate specific antigen) test as it pertains to prostate cancer. Are the recommended annual tests going to go by the wayside and what...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Mar 18, 2009 | income replacement, insurance, life insurance, Protective Life, term insurance
Within the past few weeks West Coast Life and Protective Life have announced a new term insurance product that, well, may be OK for some purposes. There are definite upsides, but a few downsides from where I stand. The product’s main feature is that it...
by Ed Hinerman | Mar 17, 2009 | death benefit, income taxable, insurance, life insurance, universal life, whole life
Life insurance has been afforded a special place and special treatment in the tax codes for a long time. Both federal and state entities have long recognized the social importance served by life insurance, which provides families with peace of mind through immediate...
by Ed Hinerman | Mar 17, 2009 | insurance, John Hancock, life insurance, Protective Life, Prudential, term insurance, universal life
Since the end of 2008 I have been following with detail as rapidly as possible about the changes in the life insurance business. The downward trend in term insurance rates and the higher reserve requirements for universal life NLG policies are changing the landscape...
by Ed Hinerman | Mar 14, 2009 | bipolar, bipolar disorder, disability, insurance, life insurance
I have come to the conclusion that I must not have adequately explained why life insurance underwriters can’t overcome the issue of being disabled due to bipolar disorder. It is simply a show stopper. Being on disability is to some degree a stumbling block no...
by Ed Hinerman | Mar 13, 2009 | accelerated death benefit, conversion, insurance, life insurance, universal life, whole life
I’ve made no secret of my disdain for whole life insurance and the whole cash value is more important than adequate insurance mentality. I was cruising financial news today and saw an article on life insurance and decided to check it out. The article did provide...
by Ed Hinerman | Mar 13, 2009 | blood pressure, cholesterol, COPD, decline, diabetes, gastric bypass, heart attack, high blood pressure, insurance, life insurance, obesity, smoking, stroke
One of the key life insurance underwriting factors for just about any health or mental health issue is compliance with treatment and avoidance of other risk factors and collateral health issues. Compliance is taking medication prescribed exactly as it’s...
by Ed Hinerman | Mar 12, 2009 | beneficiary, death benefit, insurance, life insurance
There’s a lot of assumptions about life insurance and probably the biggest and most important is that if you name someone as beneficiary, and you die, they will get your life insurance proceeds without any hassle. After all. You put there name there and paid the...
by Ed Hinerman | Mar 12, 2009 | hazardous activities, Independent agent, insurance, life insurance, scuba diving
Part of every life insurance interview has to do with extreme or dangerous activities. Often when I ask clients about whether they participate in anything like that, they will answer something like, “Well, I golf or fish. Does that count?” It seems after...
by Ed Hinerman | Mar 11, 2009 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, Prudential
The truth is that I doubt if anyone makes it through life without situational anxiety or depression and there are days when I would swear the whole world is ADD, so what’s the big deal? For years a lot of the more conservative life insurance companies have with...
by Ed Hinerman | Mar 10, 2009 | A1c, blood pressure, coronary artery disease (CAD), diabetes, heart disease, hypertension, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There are probably more than five tips for type 1 and type 2 diabetics who are looking for life insurance and don’t want to pay through the nose for it, but let’s take a quick look at the most important. 1. Educate yourself about your diabetes. Understand...
by Ed Hinerman | Mar 10, 2009 | Dave Ramsey, insurance, life insurance, suze orman, term insurance
When Dave Ramsey talks about taking care of the basics, housing, food, utilities and such, he hits right at the core of what life insurance is all about. Life insurance isn’t about enriching those left behind. It’s about making sure they can live on...
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