by Ed Hinerman | Nov 17, 2008 | Anxiety, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance, seizure disorder
Still fresh in my mind is the story a client related to me about her experience of being declined for life insurance due to bipolar disorder. This was news to her since she didn’t have bipolar disorder. In talking through the situation with her she did bring up...
by Ed Hinerman | Nov 16, 2008 | insurance, life insurance, term insurance, universal life, whole life
I receive although I never subscribed to an industry magazine called National Underwriter. It occasionally has a relevant article on such things as estate taxes, marketing ethics and so on, but mostly the articles lean in directions that are against my professional...
by Ed Hinerman | Nov 15, 2008 | Anxiety, bipolar disorder, blood pressure, cholesterol, Depression, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Over the years we have offered discussion on how to get the best possible life insurance rates even though your health is less than perfect. The truth is that with perfect health and family history you can probably find good rates at any number of sources and how to...
by Ed Hinerman | Nov 14, 2008 | insurance, life insurance, term insurance
With people climbing every mountain top looking for answers to how to save their retirement from the economic meltdown that has consumed us for the past few months, it amazes me that the financial guru’s of the world are leaving out one of the easiest and most...
by Ed Hinerman | Nov 14, 2008 | AIG, insurance, life insurance
In these unprecedented financial times it is a breath of fresh air when a company is willing to not only be transparent, but also lay out step by step their game plan for survival. With consumer confidence at an all time low I would like to see more companies like...
by Ed Hinerman | Nov 12, 2008 | insurance, life insurance, life settlements, term insurance
I’ve made no bones in the past about my issues with the life settlement or viatical market. In addition to the fact that many life insurance companies are opposed to the practice, I have not been convinced that it is an ethical practice. The idea of someone in...
by Ed Hinerman | Nov 11, 2008 | blood pressure, diabetes, heart attack, insurance, life insurance, prostate cancer, PSA
As soon as you tell someone that they don’t qualify for the best rates available, stand back, because the knee jerk reaction is to unload on you with something akin to the intelligent response, “So, they think I’m about to die of a heart attack, or...
by Ed Hinerman | Nov 11, 2008 | cholesterol, heart attack, heart disease, insurance, life insurance
A study released this week by Astra Zeneca, makers of the cholesterol lowering drug, Crestor has turned a few heads in both the pro and the con aisle. In a nutshell the study claims that the use of Crestor, or more generically statins, can decrease the risk of heart...
by Ed Hinerman | Nov 11, 2008 | AIG, insurance, life insurance
I was not in favor of the AIG bailout when it was “just” $85 billion, but knowing that AIG has the assets to sell to pay that off, and knowing that the government had taken control of the company, I decided that possibly more brilliant minds than mine...
by Ed Hinerman | Nov 8, 2008 | insurance, life insurance
I suspect most people would answer that question in the affirmative. I mean these companies are for profit businesses, and the less they pay out the more they make, right? Unpaid claims must surely be their goal if not their dirty little secret, right? As much as I...
by Ed Hinerman | Nov 8, 2008 | insurance, life insurance
With the death of my father just recently I’ve been taking stock of my own worth, not just in money, but in what I will leave behind. At my Dad’s funeral a friend suggested, after hearing all the accomplishments of Dad’s life, that if either of us...
by Ed Hinerman | Nov 3, 2008 | insurance, life insurance, term insurance, universal life, whole life
In these tough economic times ways to save money are always appreciated as long as there aren’t any hidden surprises. Probably one of the most overlooked potential savings is in life insurance that you have had for five to ten years. If your health has remained...
by Ed Hinerman | Nov 1, 2008 | insurance, life insurance, universal life
No, I don’t mean universal life insurance as in the permanent product universal life. There is all this talk about making health care more affordable, even universal health care plans, and all I am thinking is why not life insurance? I think we have all heard on...
by Ed Hinerman | Oct 31, 2008 | angioplasty, bypass surgery, cholesterol, diabetes, heart attack, heart disease, Independent agent, insurance, life insurance
For as long as there has been life insurance and heart attacks there has been misinformation about the impact of the event on future ability to obtain the insurance. Two of the most common myths are that 1. If you’ve had a heart attack then you are simply toast...
by Ed Hinerman | Oct 30, 2008 | cholesterol, diabetes, heart attack, insurance, life insurance, PSA, term insurance
But declines happen. I’ve put together a list of the top reasons that applicants are denied coverage. We’ll start out with the first two which were covered in a post yesterday. 1. Your agent did a sloppy job. Sometimes agents slip into a habit of not...
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