by Ed Hinerman | Oct 9, 2007 | breast cancer, cancer, insurance, life insurance
Since it is breast cancer awareness month and since breast cancer and life insurance is an issue that is visited frequently on our website, I thought I would just recap some of the things we know about it and how life insurance underwriters view it. Breast cancer is...
by Ed Hinerman | Oct 9, 2007 | insurance, life insurance
There is a very real problem when it comes to the estates of “non-traditional” couples. Laws are written and uphold the estate laws for traditional married couples, but those laws don’t offer the same estate protection for other couples. Without...
by Ed Hinerman | Oct 9, 2007 | Biggest Loser, insurance, life insurance, term insurance
After episode 3’s relatively low weight loss, except for the red team, weight starting falliing off again. Again, my goal with this blog is not to talk about the drama of the game, but rather the health and life insurance aspects of weight loss. With each weigh...
by Ed Hinerman | Oct 8, 2007 | insurance, life insurance, universal life
Let me make something perfectly clear… again. Almost all life insurance is purchased to protect your family against an untimely death. If you knew when and how your death was going to happen it might render a lot of life insurance unnecessary, or perhaps more...
by Ed Hinerman | Oct 8, 2007 | diabetes, insurance, life insurance
How many times have you heard it from me (and I’m still young…sorta)? Life insurance underwriters look at diabetes through a set of glasses with CONTROL written on the lenses. On a life insurance exam glucose levels, for someone without diabetes, over 109...
by Ed Hinerman | Oct 8, 2007 | Biggest Loser, cancer, diabetes, heart disease, insurance, life insurance, obesity
Yes, I know I’m a week behind on tracking the Biggest Loser stats, and I promise to have all the new numbers posted before tomorrow’s show. I have been attempting to reach someone connected to the NBC Biggest Loser reality weight loss show concerning their...
by Ed Hinerman | Oct 7, 2007 | insurance, life insurance
Well, back from vacation and ready to talk about life insurance from every angle possible……..starting tomorrow. Vacation was great. Time with just my wife and myself was awesome. Didn’t have to use our life insurance and that’s a good thing....
by Ed Hinerman | Oct 7, 2007 | cancer, diabetes, heart disease, insurance, life insurance, obesity
I met a guy in Hatch, Ut the other day along our way to Bryce and Zion National Parks. He had a compelling story to tell about beating obesity and how it saved his life. He had lived most of his life in Branson, MO and about five years ago had decided to end annual...
by Ed Hinerman | Oct 7, 2007 | estate taxes, Independent agent, insurance, life insurance, term insurance, universal life
Most life insurance trusts are funded by permanent insurance, either universal life or whole life. This is generally not an inexpensive proposition, but compared to estate taxes, by far the smaller hit. I mentioned in a previous post that the ownership of a policy...
by Ed Hinerman | Oct 7, 2007 | estate taxes, insurance, life insurance
As explained in a previous post, if the owner of a policy sets up a life insurance trust and changes the ownership and beneficiary to the trust, and a death occurs within three years of that change, the IRS will roll the clock back to original ownership and...
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