by Ed Hinerman | Apr 13, 2009 | insurance, kidnap, life insurance, ransom
I rarely get off the subject of life insurance but occasionally there are things that just baffle me and what better place to get them off my chest. What is all this nonsense with “Somalian pirates”? I would accuse them of being brainless idiots for...
by Ed Hinerman | Apr 13, 2009 | death benefit, grace period, insurance, lapse, life insurance
Billing for a life insurance policy, unless paid by automatic bank draft, usually comes a few weeks before the due date. What happens if you miss that bill or if you moved and forgot to notify your agent or the company? Protection for these types of occurrences is...
by Ed Hinerman | Apr 9, 2009 | Banner Life, blood pressure, bypass surgery, cancer, cholesterol, diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Prudential
Let’s don’t mince words on this subject. If someone is 40% overweight they are twice as likely to die prematurely than someone of average build. It’s not the fat that kills you, but the strain that all that extra weight puts on your body making you a...
by Ed Hinerman | Apr 8, 2009 | AIG, cancer, decline, insurance, life insurance, Protective Life, term insurance
There are a lot of people that are suspicious of the whole annual review process on your insurance. It is perceived to be a thinly veiled attempt to sell you more insurance, and I have to admit that with some agents that may be true, but not always. It’s worth...
by Ed Hinerman | Apr 7, 2009 | bipolar, bipolar disorder, insurance, life insurance, mortality, mortality risk
If it wasn’t such a great success story I would probably just quit talking about it, but we have already been able to help more people with bipolar disorder in the first quarter of this year than we did all last year. The word is getting out. A client who...
by Ed Hinerman | Apr 7, 2009 | death benefit, decline, Independent agent, insurance, life insurance, term insurance
A headline hit me this morning. You know, one of those that sucks you right out or your routine and sends you off chasing rabbits of another color. US News and World Report seems to have rifled through my blog posts and come up with 7 (only 7?) important things you...
by Ed Hinerman | Apr 3, 2009 | beneficiary, death benefit, decline, Independent agent, insurance, life insurance, term insurance, whole life
Amazing to me the number of people who die with life insurance in force and who spaced out two little details, telling someone that there is insurance and telling them where to find the policy. Because our batting average is less than 100% for turning contacts into in...
by Ed Hinerman | Apr 2, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
I am often asked by clients and potential clients if I sell business liability insurance, car insurance, medicare supplements and the full gamut of insurance products available and my answer is Wyoming raised simple, “Nope, I just sell life insurance”. It...
by Ed Hinerman | Apr 2, 2009 | breast cancer, cancer, Independent agent, insurance, life insurance, prostate cancer
Not a week goes by that I don’t talk to someone with a history of cancer. They would like to have life insurance, just like anyone, but insurance quotes take a bit more leg work. It’s often a stretch and often means going back to doctors and asking for the...
by Ed Hinerman | Apr 1, 2009 | insurance, life insurance, Prudential, term insurance
Just when you thought I was through yelling, Prudential just announced today that their least expensive term insurance product, simply the best deal going in the $1,000,000 and up amounts will have a rate increase effective May 1. You know that stomach crunching...
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