by Ed Hinerman | Mar 9, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
Having group life insurance through your job or organization is certainly one of the top excuses for not buying a personal life insurance policy. After all, if you already have it, why buy more. No physical. No muss or fuss, and group insurance is generally sooo...
by Ed Hinerman | Mar 6, 2009 | business life insurance, insurance, key man insurance, life insurance, return of premium term insurance, term insurance
In our current economic meltdown there are a lot of people out there trying to say that the government or big business are trying to run our country. What this country really runs on is small businesses and what really makes those businesses work is the owners or the...
by Ed Hinerman | Mar 5, 2009 | insurance, insurance quotes, life insurance, term insurance
YRT, yearly renewable term life insurance, has been around for a long time. Really the original term insurance, it has a rate that is guaranteed. Unfortunately it is guaranteed to go up substantially every year. YRT starts out with a very low first year price. For...
by Ed Hinerman | Mar 4, 2009 | insurance, life insurance, suicide clause
I’ve often been told that life insurance has an out with people with severe depression or severe bipolar disorder because they’ve got that suicide clause thing. I’ve written about this before and I think life insurance companies would probably prefer...
by Ed Hinerman | Mar 3, 2009 | blood pressure, Independent agent, insurance, life insurance, term insurance
This all went a little quicker than even I had anticipated. I shared a few weeks ago that I was applying for term life insurance on myself, a replacement of some terms that seemed prudent to extend. Because of some past health history impacting a previous application...
by Ed Hinerman | Mar 2, 2009 | arthritis, insurance, life insurance, rheumatoid arthritis
I know from personal experience that keeping tabs on what is said in your medical records can be as critical as making sure information in your credit records is accurate. Possibly even more important. Just a few examples from my own records that have had an effect on...
by Ed Hinerman | Mar 1, 2009 | AARP, cancer, Depression, diabetes, heart disease, insurance, life insurance, New York Life
I had posed a question to the Latino community a few weeks ago asking whether a life insurance website in Spanish with a direct line to bilingual staff would be something helpful. New York Life recently unveiled exactly what I was talking about. Yes, this is the same...
by Ed Hinerman | Feb 27, 2009 | breast cancer, cancer, insurance, life insurance
One of the great things from a life insurance standpoint in regards to early stage breast cancer, due to the very high survival rate, is that life insurance can often be purchased not too long after the cancer therapy is complete at as good as standard rates. Probably...
by Ed Hinerman | Feb 26, 2009 | AARP, Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, term insurance, universal life, whole life
The idea of burial life insurance is something that has been slow to evolve and is often misunderstood. In its’ purest form it is a contract taken out with a mortuary and for an up front payment they promise that a burial is prepaid. What people should be coming...
by Ed Hinerman | Feb 25, 2009 | AIG, insurance, life insurance
Since AIG hit the skids last fall I have been keeping clients and readers on top of the “what ifs” with their life insurance branch, American General. AIG’s recession slide has been a boondoggle of epic proportions with nearly $150 billion of bail...
by Ed Hinerman | Feb 25, 2009 | blood pressure, diabetes, high blood pressure, insurance, life insurance, private pilots
Most of the private pilots in the US have had some experience with the effect their hobby or avocation has on their life insurance rates. Insurance companies generally don’t look favorably on private aviation and the insurance quotes that most companies and...
by Ed Hinerman | Feb 24, 2009 | heart attack, insurance, life insurance, term insurance
Each day brings another reason to be more impressed by just how stupid the majority of men are. If you’re a guy and don’t want to hear this, let your wife read it. Women get this stuff. I just talked to an agent friend of mine who worked with a client last...
by Ed Hinerman | Feb 24, 2009 | foreign travel, insurance, kidnap, life insurance, ransom, travel insurance
I can remember when life insurance was sold from vending machines in airports. “Flight” insurance I think they called it. Really put my mind at ease. While that has come and gone, some travel still carries with it a risk worth considering. With our global...
by Ed Hinerman | Feb 23, 2009 | insurance, life insurance, Prudential, term insurance, universal life, whole life
I realize that this is like one of those insurance guy things. We get all excited when some really good product is about to change (not for the better), or we get wind of a rate increase. It’s a chance to get the word out and hopefully do something good for...
by Ed Hinerman | Feb 20, 2009 | cancer, diabetes, insurance, life insurance, Type 2 diabetes
Just yesterday I posted some guidelines on what it takes to get good life insurance rates if you have diabetes. Today I read a sometimes funny and sometimes poignant take on life with type 2 diabetes on DLife.com. I have a true appreciation for those who can keep a...
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