by Ed Hinerman | Mar 20, 2008 | insurance, life insurance
Medical mistakes kill and disfigure close to 100,000 people in this country every year. That’s why, no surprise, life insurance underwriters will almost always postpone approval on a policy until after any scheduled procedure. I remember finding it amusing when...
by Ed Hinerman | Mar 19, 2008 | foreign travel, insurance, life insurance, skydiving
If you are planning a trip to the Olympics this summer, it’s time for a life insurance checkup to make sure you are covered for foreign travel, and if you are considering increasing coverage before you go, you need to apply now. Most life insurance you have in...
by Ed Hinerman | Mar 18, 2008 | cancer, diabetes, heart disease, insurance, life insurance, obesity
Getting by on less sleep is something of a badge of honor. I’ve heard people state and sometimes brag about the fact that they only need 4-5 hours of sleep a night. For all of those hardworking people who are holding down two jobs, or are single parents, a lack...
by Ed Hinerman | Mar 18, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
There are plenty of life insurance companies out there who will look the other way on cigar smoking as long as you are truly an “occasional” smoker. Each company has their take on what occasional means. For a few companies you need to save those cigars for...
by Ed Hinerman | Mar 16, 2008 | cancer, cholesterol, heart attack, insurance, life insurance, obesity
Over the years I believe I have heard most, if not all, of the whining responses from people who, after an exam and a review of their medical records, didn’t get the best rate available on life insurance. Don’t get me wrong. I want those rates also. But...
by Ed Hinerman | Mar 15, 2008 | cholesterol, insurance, life insurance
I have often had clients who had cholesterol tests come back well out of the normal range and blamed it on forgetting to fast, or in the case of a recent client, a nurse that called and said it would be better for her if she came that particular evening instead of the...
by Ed Hinerman | Mar 13, 2008 | bipolar disorder, cancer, Depression, diabetes, heart attack, Independent agent, insurance, life insurance, private pilots
I’ve often discussed the fact that out of the nearly 2000 companies that purport to be in the life insurance business, there are only a handful, maybe 2% that are serious about working to get you the best deal. When you throw in health issues of any consequence...
by Ed Hinerman | Mar 12, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
The PSA, prostate specific antigen, test has been the standard for decades for determining the chances of a man having prostate cancer and the need for further diagnostic testing through a needle biopsy. The problem that has become apparent in the medical and life...
by Ed Hinerman | Mar 11, 2008 | accelerated death benefit, insurance, life insurance
Most life insurance policies issued in the past 5-10 years have a rider called the accelerated death benefit rider. It doesn’t cost anything and it allows the insured to receive, depending on the company, up to half of the death benefit (usually up to a limit...
by Ed Hinerman | Mar 11, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
I know I’ve been beating this drum quite a bit, but the word needs to get out. Having bipolar disorder is not the frosting on a decline cake if you need life insurance. Can everyone qualify for good life insurance rates with bipolar? I won’t even tell you...
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