by Ed Hinerman | Jul 3, 2008 | cholesterol, insurance, life insurance, private pilots, smoking
It is a common belief that a life insurance agent’s offer of an annual review of your policy is nothing more than a ploy to try to get you to buy more insurance. I know from experience with my own clients that many are so sales phobic that their honest belief is...
by Ed Hinerman | Jul 2, 2008 | business life insurance, buy/sell life insurance, insurance, life insurance
For those of us who own and operate small businesses, we pour all we have into feeding our family, paying our employees and hopefully leaving something of value behind to our heirs. For many that entrepreneurial drive is cut short by a premature death and without...
by Ed Hinerman | Jul 2, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
As I wrote that title it occurred to me that I might be showing my age. The advertising slogan for Prudential used to be (may still be?) “Own a piece of the rock”. Anyway, Prudential is a stand alone company when it comes to their treatment. In an article...
by Ed Hinerman | Jul 1, 2008 | breast cancer, cancer, insurance, life insurance
As discussed last week, in an effort to kind of lay out the process that a woman goes through when diagnosed with breast cancer, my Mom has been gracious enough to let me talk about her experience. I believe there is some very real relevance in that, if my Mom was a...
by Ed Hinerman | Jul 1, 2008 | cancer, guaranteed issue life insurance, heart attack, heart disease, insurance, life insurance
To a guy this makes perfect sense. From my own experience I can tell you that most women, especially those married to guys that feel fine, don’t share that philosophy. Unlike us guys, they think doctors are serious about the importance of annual physicals and...
by Ed Hinerman | Jun 27, 2008 | breast cancer, cancer, insurance, life insurance
Thank you again for all the prayers on my Mom’s behalf. She had a sentinel node biopsy of the lymph nodes yesterday and it showed that cancer had in fact migrated from her breast at least to the nearest lymph nodes. I will continue to follow her process in this...
by Ed Hinerman | Jun 26, 2008 | Anxiety, Attention Deficit Disorder, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance
As we’ve discussed many times, good life insurance rates are available if you have bipolar disorder if you meet certain criteria, underwriting guidelines. For the purposes of underwriting, while the companies may call them guidelines, assume they are rules. You...
by Ed Hinerman | Jun 25, 2008 | insurance, life insurance
I seldom have a week go by where no clients get surprised by what is in their medical records. I’ve said it before and you know me, I’ll keep repeating it. Medical records are a collection of facts (lab and test results) and rambling thoughts transcribed...
by Ed Hinerman | Jun 25, 2008 | heart attack, life insurance
I wrote this back in 2008 and while heart health is just as relevant today, what is good for avoiding heart issues is also good for lessening the severity of a cardiac event if one does happen. If you do have a cardiac event, less severe is the best way to acquire...
by Ed Hinerman | Jun 24, 2008 | blood pressure, cancer, heart disease, high blood pressure, hypertension, insurance, life insurance, stroke
A lot has been made over the years about diet and exercise being key components of a successful battle with hypertension or high blood pressure. But from the fringes we keep hearing snippets about drinking a glass of wine a day, eating dark chocolate and other things...
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