by Ed Hinerman | Oct 23, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer
I have mentioned before that if we all knew the date and time and perhaps the reason for our death, well ahead of time, it might change the need for life insurance dramatically. With time to plan it is possible to put money somewhere other than life insurance and...
by Ed Hinerman | Oct 22, 2007 | insurance, life insurance
I remember a case a year or so a go when a client had undergone some very minor outpatient procedure during the underwriting of a life insurance application. The reason for the operation was hardly a mortality issue and he was back to work within a few days. I was a...
by Ed Hinerman | Oct 21, 2007 | cancer, heart disease, insurance, life insurance, prostate cancer
I am always surprised by the number of cigarette smokers who inquire about life insurance and when they find out what the cost is, they suddenly lose all interest. The difference in cost is likely no where near what they are spending on the habit, but they...
by Ed Hinerman | Oct 21, 2007 | insurance, life insurance
I can remember learning the fine art of selling the spouse add on, or spousal rider nearly 30 years ago. The primary reason that most wives were added as riders back then is that the premium on their insurance was so low that it cost the company more to write a...
by Ed Hinerman | Oct 20, 2007 | diabetes, heart attack, insurance, life insurance
On my soapbox again. I have commented frequently on what I consider to be a shortcoming with the majority of doctors, their lack of attempt to educate their patients on their condition and how to pro actively take care of themselves. Some of the most poignant examples...
by Ed Hinerman | Oct 19, 2007 | foreign travel, Independent agent, insurance, life insurance
When you hear about life insurance company concerns with foreign travel, do you ever wonder where they draw the line? I recently shopped for coverage on a corporate jet pilot that did a fair amount of overseas flights. The best offer came back with the caveat that...
by Ed Hinerman | Oct 19, 2007 | cancer, diabetes, foreign travel, heart disease, insurance, life insurance, private pilots, Sleep apnea, stroke, Type 1 diabetes, Type 2 diabetes
Over the years, North American Ccmpany for Life and Health has moved in and out of the impaired risk spot light. Overall though, they would have to be judged as one of the better small companies out there. North American isn’t one of the big boys, but they are...
by Ed Hinerman | Oct 19, 2007 | cancer, diabetes, heart disease, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Whether it type 1 diabetes and your choice of insulin types, or type 2 diabetes and your choice of the 5000 oral medications on the market, all anyone with diabetes is looking for is a way to take the stress off their body. In a post yesterday, Allie Beatty wondered...
by Ed Hinerman | Oct 19, 2007 | insurance, life insurance, universal life
I cited a study not too long ago that made it clear that many people pass away these days not having used significant portions of there retirement finances. While this money can be passed on through wills or probate, consider this. I know that many people in this...
by Ed Hinerman | Oct 18, 2007 | gastric bypass, insurance, life insurance, obesity, term insurance
Obesity is at epidemic levels in the US. In the past 20 years the trend toward obesity has been dramatic to the point where there are now only 4 states, Hawaii, Colorado, Massachusetts and Rhode Island, where less than 20% of the population has a body mass index of...
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