by Ed Hinerman | May 18, 2009 | business life insurance, buy/sell life insurance, insurance, key man insurance, life insurance
That’s an easy one. If you can think of a person in the company, whether that is you, your partner, a long time key employee or board members that make the whole thing work, whose death would cause a financial stumbling block, there is a need for business life...
by Ed Hinerman | May 18, 2009 | asthma, blood pressure, diabetes, high blood pressure, hypertension, insurance, life insurance, mortality, mortality risk, obesity, stroke, Type 2 diabetes
Guilty as charged. I am one of those recovering saltaholics that grabs the salt shaker and tops off a meal before I’ve even taken a bite to see if it needs it. I love salt and although I am getting better about at least giving something a taste first, the truth...
by Ed Hinerman | May 15, 2009 | AIG, insurance, life insurance, Prudential, term insurance
One of the considerations when you are putting together a life insurance program or portfolio should be flexibility, a way to deal with the “what ifs” in life. I’ve seen this a little more than usual as people have dealt with different aspects of the...
by Ed Hinerman | May 15, 2009 | AARP, insurance, life insurance, term insurance
I often hear to comment from clients that “they should do this before they turn 50 or 55 or 60” because they have heard the urban myth that at certain ages life insurance rates take an obnoxious jump, a way to offset all the benefits we get from our...
by Ed Hinerman | May 14, 2009 | cholesterol, HDL, heart attack, high blood pressure, hypertension, insurance, life insurance, stroke
There are plenty of people that apply for life insurance and are sure they are going to get the best rate class available. In their mind they are even ahead of Superman because he has that disorder that has to do with Kryptonite. These people have never been sick,...
by Ed Hinerman | May 14, 2009 | estate taxes, insurance, life insurance, second to die insurance, universal life
Ok, I’m not really holding my breath, but you do realize that with 7 months left to go Congress needs to act or there will be a free estate tax ride in 2010. As the law now stands, the exemption has been rising steadily over the last 9 years from the...
by Ed Hinerman | May 13, 2009 | cancer, death benefit, heart attack, insurance, life insurance, mortality, mortality risk, prayer
If you only had a crystal ball, right? If you knew when you were going to die you could put off buying life insurance right up to the last moment, or if you knew you would outlive the need for life insurance you could just not buy at all. Well, unless you are...
by Ed Hinerman | May 13, 2009 | epilepsy, life insurance, seizure disorder
With most life insurance agents and most life insurance company underwriters, the mere mention of a history of seizure disorders or epilepsy is enough to bring the conversation and the application to a screaming halt. Not unlike a lot of the less common health issues,...
by Ed Hinerman | May 13, 2009 | family history, insurance, life insurance, mortality, mortality risk, smoking
If anyone out there is suffering from the illusion that your medical records are accurate, let me clue you in. The chance that your records contain substantive errors is about 75%. The chance that your records are error free is within the margin of error for 0%....
by Ed Hinerman | May 12, 2009 | Anxiety, bipolar, bipolar disorder, Depression, Independent agent, insurance, insurance quotes, life insurance
We’ve done a lot of work for clients with mild to moderate, usually situational, depression or anxiety disorders. The truth is the more crazed and frenetic our society and lifestyle become, the more people are looking for a little bit of help coping. It’s...
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