by Ed Hinerman | Apr 8, 2007 | cancer, cholesterol, diabetes, guaranteed issue life insurance, heart attack, high blood pressure, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
One of the life insurance “urban legends” has to do with the large jump life insurance rates take when you turn 50, and again at 60, and well, let’s not even talk about 70. The truth is that while the cost per thousand of life insurance does in fact...
by Ed Hinerman | Mar 28, 2007 | children's life insurance, guaranteed issue life insurance, Independent agent, insurance, insurance quotes, life insurance, private pilots, term insurance, universal life, whole life
Advocacy is defined in the dictionary as co-supporting or promoting the interests of another. There are several advocacy groups that promote life insurance to their members or to the group of people that they would suggest they are advocates on behalf of. I have a...
by Ed Hinerman | Mar 28, 2007 | Independent agent, insurance, life insurance, long term care, term insurance
After reading a New York Times article about long term care insurance today I was both disgusted and encouraged with the information I found. The Charles Duhigg article talks about all the senior citizens who pay in enormous amounts of money to insure their long term...
by Ed Hinerman | Mar 27, 2007 | business life insurance, buy/sell life insurance, Independent agent, insurance, insurance quotes, life insurance, term insurance
In the excitement of starting a new business all the focus is generally onward and upward and the tendency is to kind of overlook the downside to success. This is more prevalent in partnerships, but is also a real problem for sole proprietors and corporations....
by Ed Hinerman | Mar 22, 2007 | cancer, guaranteed issue life insurance, Independent agent, insurance, life insurance, term insurance, whole life
Just finishing up today and getting ready to drive to where my parents live. My father has bladder cancer and is meeting with the oncologist tomorrow to discuss what steps might be best. At his age 84, he of course has long since quit worrying about life insurance and...
by Ed Hinerman | Mar 21, 2007 | Burial insurance, final expense life insurance, guaranteed issue life insurance, Independent agent, insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
Life insurance these days has so many options available as far as products go that it has become easier and easier to hone in to just exactly the right product for your life and your needs. Along with the huge increase in options is the need to have a professional...
by Ed Hinerman | Mar 20, 2007 | breast cancer, cancer, coronary artery disease (CAD), hepatitis, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
There is certainly no lack of unjustified respect for some of the biggest names in life insurance in the country. If you’ve seen their name on television or in magazines it kind of sticks with you and you probably, like most folks, assume that big and famous,...
by Ed Hinerman | Mar 18, 2007 | Independent agent, insurance, insurance quotes, life insurance, private pilots, skydiving, term insurance
On the way up this weekend I got the chance to talk to two pilots and three professional skydivers. One of them asked me what I do and when I mentioned that I am a life insurance agent, the questions started flying. Can I get it even though I skydive? Why do pilots...
by Ed Hinerman | Mar 16, 2007 | Independent agent, insurance, insurance quotes, life insurance, term insurance
I know I’ve been guilty of putting off going to the dentist and much to my dismay it ended up costing me much more than I would have liked to pay. Instead of getting my teeth cleaned and checked, and maybe getting a filling, I would end up with a root canal and...
by Ed Hinerman | Mar 15, 2007 | accelerated death benefit, insurance, life insurance, term insurance, universal life, whole life
In response to a less than reputable business practice, life insurance companies now offer at no additional charge a feature called an accelerated death benefit. It wasn’t that long ago that there was a prolific market in praying on the terminally ill and...
by Ed Hinerman | Mar 15, 2007 | Independent agent, insurance, insurance quotes, life insurance, private pilots, term insurance, universal life, whole life
A large percentage of life insurance customers know very little about the products they are inquiring about. Especially true for first time customers but very often just as true for customers who have purchased before. A quick confession right up front to your...
by Ed Hinerman | Mar 14, 2007 | Independent agent, insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
It’s always a good feeling for me when I do a project around the house and end up not needing everything I’ve purchased. Well anyway, it beats the feeling of coming up short and having to make another trip to the lumber yard or hardware store. At least...
by Ed Hinerman | Mar 14, 2007 | Independent agent, insurance, life insurance, private pilots, term insurance, universal life, whole life
The news from life insurance companies just keeps getting better when it comes to private pilots. More and more companies are softening their stance on the actual mortality risk that this group represents. Of course airline pilots have enjoyed the best insurance...
by Ed Hinerman | Mar 13, 2007 | insurance, life insurance, term insurance, universal life
Most companies and government agencies offer options when you retire if you are married. Generally it goes something like this. Option 1. Maximum payout. You can take $4000 a month on your retirement. It will remain at $4000 as long as you are alive. If you die and...
by Ed Hinerman | Mar 10, 2007 | Independent agent, insurance, life insurance, private pilots, term insurance
It’s interesting to see the debate on this issue. Some states have adopted regulations that don’t allow insurance companies to use foreign travel as criteria for underwriting life insurance. I’m not convinced that is a prudent move. Whenever a health...
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