by Ed Hinerman | Nov 11, 2019 | Uncategorized
New York! New York! The state of New York has always been challenging for those looking for life insurance. There are a lot of life insurance companies that don’t even seek approval to sell their products in New York. New York’s Department of Financial...
by Ed Hinerman | Sep 11, 2019 | life insurance, melanoma, skin cancer
Life insurance News For Stage 0 Melanoma How many of us have laughed at or been laughed at over sunburns growing up? There wasn’t anything fun or funny about the pain, and we had no idea what was possible down the road. Skin cancer is the most common cancer in...
by Ed Hinerman | Aug 27, 2019 | bipolar, life insurance, life insurance approval, mood disorder life insurance, Uncategorized
As recently as 2013 it just wasn’t a stretch for Bipolar 2 life insurance to have a shot at getting the best rate class with some companies if you had well controlled bipolar II. The companies took into account all of the factors that should be relevant in...
by Ed Hinerman | Aug 24, 2019 | life insurance, return of premium UL, term insurance, universal life
“Change is the only constant in life” according to Heraclitus. Never met the guy but he definitely hit the nail on the head. And then Robert Burns doubled down on the thought with “The best-laid plans of mice and men often go awry”. Term or...
by Ed Hinerman | Aug 22, 2019 | income replacement, insurable interest, insurance, life insurance
WHERE WAS THE LIFE INSURANCE? I had this nagging feeling even before I understood what a value life insurance protection is and well before I started this forum to let everyone know the truth about life insurance. I would read or see in the news that a family had...
by Ed Hinerman | Aug 13, 2019 | customer service, Independent agent, insurance, life insurance
If you look that up on Google, on the first page, all of the offerings are about life insurance companies (top 10 companies). There is one that talks about 13 agents who wrote monster life insurance policies. But, let’s consider what you would want if you...
by Ed Hinerman | May 23, 2019 | Drug Treatment Life Insurance, life insurance
If you’re young and healthy, your term life insurance broker may not have to work too hard to get the life insurance you need approved and put in force. If you’ve followed this forum at all or visited my websites, well, you know that’s a scenario...
by Ed Hinerman | May 2, 2019 | Cannabis business life insurance, insurance, life insurance
Thankfully, cannabis business life insurance approvals are finally possible! Wow, what a journey this has been and will continue to be for those who make a living in the Cannabis industry. It has been a sad state of affairs for those in the business to be caught...
by Ed Hinerman | Apr 24, 2019 | budget, Dave Ramsey, life insurance
My New Year’s resolution is to always tell the truth no matter whose buttons it pushes. I’ve been bullied into backing off of a few blog posts in the past, probably the most memorable being with West Coast Life, but life’s too short and life...
by Ed Hinerman | Apr 23, 2019 | business life insurance, CEO life insurance, life insurance, prostate cancer watchful waiting
Let’s be honest. Successful business people don’t pick the providers of critical support like CPA’s, attorneys, suppliers and financial advisers by looking online for cheap and easy. So why would they look for an honest, efficient and hard working...
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