by Ed Hinerman | Dec 12, 2007 | insurance, life insurance, private pilots, term insurance, universal life
There has been a lot of jockeying over the past few years in who can make the best offer on life insurance for pilots. Generally the discussion has been around term insurance. When American General backed out of the aviation market, they took with them virtually the...
by Ed Hinerman | Oct 25, 2007 | breast cancer, cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, private pilots
In an effort to serve more completely the needs of those whose health can make getting affordable life insurance a challenge, Hinerman Group is moving ahead with new “health challenge specific” websites. My passion has always been to foster discussion and...
by Ed Hinerman | Oct 19, 2007 | cancer, diabetes, foreign travel, heart disease, insurance, life insurance, private pilots, Sleep apnea, stroke, Type 1 diabetes, Type 2 diabetes
Over the years, North American Ccmpany for Life and Health has moved in and out of the impaired risk spot light. Overall though, they would have to be judged as one of the better small companies out there. North American isn’t one of the big boys, but they are...
by Ed Hinerman | Oct 16, 2007 | Anxiety, cancer, Depression, diabetes, DUI, heart attack, Independent agent, private pilots, prostate cancer, Sleep apnea
The Rock!! I bring Pru up every once in a while simply because they seem to be a company that is out to make a difference in the life insurance business. Other companies are competitive, and Prudential isn’t the answer to every life insurance question, but they...
by Ed Hinerman | Oct 12, 2007 | insurance, life insurance, private pilots
About two-thirds of all private pilots belong to the AOPA, Aircraft Owners and Pilots Association. The AOPA is a self proclaimed advocacy group for pilots. One of the things they have pushed for years is life insurance through AOPA, underwritten by Minnesota Life. I...
by Ed Hinerman | Sep 22, 2007 | Anxiety, cancer, cholesterol, Depression, heart disease, insurance, life insurance, private pilots, term insurance, universal life
For the next several weeks I will be occasioanally giving information on the companies that I use. Each of these companies has a strong point or they would’t be in my portfolio. Each of them has weak points and these are things I consider when I am...
by Ed Hinerman | Sep 14, 2007 | diabetes, insurance, life insurance, private pilots
I recently wanted to share some thoughts on a diabetes issue concerning a blog I read on the American Diabetes Association website. Diabetes and getting fair treatment on life insurance for those that suffer from it has been a passion of mine for at least the past 10...
by Ed Hinerman | Sep 7, 2007 | cancer, epilepsy, guaranteed issue life insurance, insurance, private pilots
We’ve all heard some version of the story. A life insurance policy with an exclusion for anyone that dies if they are hit by a bus while wearing a green shirt on a Wednesday during August. Actually if the price was good, I would take that one. Don’t...
by Ed Hinerman | Aug 13, 2007 | cancer, Independent agent, insurance, life insurance, private pilots, skydiving
I finally got my wife to look the other way while I jumped out of an airplane this year. She’s always so nice about asking me what I want for my birthday, and for the past 5 years I’ve been telling her I wanted to try skydiving and that would be a great...
by Ed Hinerman | Aug 13, 2007 | Independent agent, insurance, life insurance, private pilots
Scuba diving is a topic, or an avocation as they like to put it, that has insurance companies all over the map as far as how it is underwritten. If you are an avid scuba diver, you definitely want to enlist an independent agent to help you find the best life insurance...
by Ed Hinerman | Aug 7, 2007 | diabetes, Independent agent, insurance, life insurance, private pilots, Sleep apnea, Type 2 diabetes
There is a misconception in life insurance that there is a common thread running through all the companies and kind of like buying hamburgers, they’re all pretty much the same and all of them charge about the same. The truth is that the differences between life...
by Ed Hinerman | Jul 25, 2007 | heart disease, Independent agent, insurance, life insurance, private pilots, universal life
Along with the changes of the last few years in life insurance underwriting has come some serious scenery changes in the companies. There has been a rash of large companies gobbling up smaller companies and in some cases large companies gobbling up large companies....
by Ed Hinerman | Jul 20, 2007 | Independent agent, insurance, life insurance, private pilots
The life insurance industry has had a love/hate relationship with private pilots going way back. Most of the companies hate to insure them. A handful love to insure them. For most insurance company’s underwriters there must be this sense that the only way a...
by Ed Hinerman | Jul 20, 2007 | cigar smokers, Independent agent, insurance, life insurance, private pilots, prostate cancer, Sleep apnea, term insurance
My grandfather used to do that. He would smoke them and chew them and spit and……well, he had a nicotine habit. Use of nicotine with life insurance companies is a pretty clear cut issue. If you use it, you are in the same rate class as a cigarette smoker....
by Ed Hinerman | Jul 2, 2007 | diabetes, heart attack, Independent agent, insurance, life insurance, private pilots, Type 1 diabetes, Type 2 diabetes
This, for me, just falls into the “go figure” category. Two of the best companies from a product and underwriting stance, MONY and US Financial, were purchased within the last year by AXA Equitable. For a while nothing changed and then snap (my imitation...
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