by Ed Hinerman | Mar 10, 2008 | heart attack, heart disease, insurance, life insurance
I’ve written posts on the subject of the “revolutionary” ultra fast CT scan, the snap shot of the heart that would finally put an end to invasive diagnosis methods such as cathaterization. In those posts you may remember that the problem was that the...
by Ed Hinerman | Mar 8, 2008 | insurance, life insurance, term insurance, universal life
Often when a person gets into their 70’s, life insurance choices have to be studied more carefully. In most cases there is only one term option left, the 10 year term insurance. If that doesn’t work for you, the only other practical option is a universal...
by Ed Hinerman | Mar 8, 2008 | estate taxes, insurance, life insurance, second to die insurance
However the elections shake out, congress and the new president will be dealing with the estate tax issue over the next year. Already a myriad of options have been thrown into the hopper. Amost no one and none of the proposals point to the elimination of the federal...
by Ed Hinerman | Mar 7, 2008 | insurance, life insurance
You and the family go out for a drive. Do you really know what will happen? Bottom line. Sometimes our days, our lives, don’t turn out the way we plan!
by Ed Hinerman | Mar 7, 2008 | insurance, life insurance, term insurance, whole life
I’ve heard every possible pitch as to why whole life insurance is a good idea. Did you know that we might not have Disney World if it weren’t for whole life insurance? I’ve said so many times that whole life insurance used to be the only way to have...
by Ed Hinerman | Mar 5, 2008 | Independent agent, insurance, life insurance, term insurance, whole life
I was asked by my pastor to offer my thoughts on life insurance to the people attending the Dave Ramsey Financial Peace University seminar at our church. Anyone who’s read my blogs knows that I am huge on leaving money in people’s pockets. Dave Ramsey is...
by Ed Hinerman | Mar 4, 2008 | Independent agent, insurance, life insurance
I understand comfort zones, local allegiance, friends who sell insurance and all of that, but is having all of your insurance needs handled by one person a prudent idea? I have my auto and homeowner’s insurance with a local Farmer’s Insurance agent. A...
by Ed Hinerman | Mar 4, 2008 | insurance, life insurance
You may have seen it advertised in magazines and on television. $1,000,000 accidental death travel insurance. It’s quick and easy and it is a guaranteed issue product. It’s very affordable. It’s not the answer for all of those who are taking jobs in...
by Ed Hinerman | Mar 2, 2008 | bipolar disorder, diabetes, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
There’s really never been bad news when it comes to life insurance underwriting of type 2 diabetes. Would people with diabetes like to pay less for life insurance? Of course they would, which puts them in the same boat with all of us who don’t have...
by Ed Hinerman | Feb 29, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
I’ve been told that all guys will get prostate cancer to some degree if they live to a moderately old age. The good news that, for many, it will have little or no impact on their lives or their mortality. Prostate cancer that is slow growing, that is to say a...
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