by Ed Hinerman | Nov 20, 2008 | diabetes, heart disease, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
We’ve been hitting them out of the park on type 2 diabetes underwriting for quite some time, but that pot at the end of the rainbow, fair underwriting for type 1 diabetes, that we never have been able to get to is finally coming within reach. Given certain...
by Ed Hinerman | Nov 19, 2008 | cancer, diabetes, heart attack, insurance, life insurance, obesity
Being in the life insurance business and having been on the business end of passing on checks for death benefits, I have a real sense of just how much life insurance is needed by the families that receive it and a real passion for helping others understand that buying...
by Ed Hinerman | Nov 19, 2008 | cancer, diabetes, heart disease, insurance, life insurance
Impaired risk, an industry term that refers to life insurance on people with significant health issues, cancer, diabetes, heart disease and such, is an area that we have focused on for some time. While the masses and the giant internet agencies flock to the healthiest...
by Ed Hinerman | Nov 17, 2008 | angioplasty, cholesterol, heart attack, insurance, life insurance
There isn’t any question that given the clear choice between suffering a potentially fatal heart attack and having the artery opening procedure called angioplasty, the prudent thing to do is to stack the deck in your favor and open those arteries. But there is a...
by Ed Hinerman | Nov 17, 2008 | Anxiety, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance, seizure disorder
Still fresh in my mind is the story a client related to me about her experience of being declined for life insurance due to bipolar disorder. This was news to her since she didn’t have bipolar disorder. In talking through the situation with her she did bring up...
by Ed Hinerman | Nov 16, 2008 | insurance, life insurance, term insurance, universal life, whole life
I receive although I never subscribed to an industry magazine called National Underwriter. It occasionally has a relevant article on such things as estate taxes, marketing ethics and so on, but mostly the articles lean in directions that are against my professional...
by Ed Hinerman | Nov 15, 2008 | Anxiety, bipolar disorder, blood pressure, cholesterol, Depression, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Over the years we have offered discussion on how to get the best possible life insurance rates even though your health is less than perfect. The truth is that with perfect health and family history you can probably find good rates at any number of sources and how to...
by Ed Hinerman | Nov 14, 2008 | insurance, life insurance, term insurance
With people climbing every mountain top looking for answers to how to save their retirement from the economic meltdown that has consumed us for the past few months, it amazes me that the financial guru’s of the world are leaving out one of the easiest and most...
by Ed Hinerman | Nov 14, 2008 | AIG, insurance, life insurance
In these unprecedented financial times it is a breath of fresh air when a company is willing to not only be transparent, but also lay out step by step their game plan for survival. With consumer confidence at an all time low I would like to see more companies like...
by Ed Hinerman | Nov 12, 2008 | insurance, life insurance, life settlements, term insurance
I’ve made no bones in the past about my issues with the life settlement or viatical market. In addition to the fact that many life insurance companies are opposed to the practice, I have not been convinced that it is an ethical practice. The idea of someone in...
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