by Ed Hinerman | Aug 31, 2007 | insurance, life insurance, term insurance
I shared some information not too long ago from the Life Insurance Market Research Association (LIMRA) and the bottom line was that studies showed that American families were generally under insured, knew they were under insured, but in general weren’t real sure...
by Ed Hinerman | Aug 31, 2007 | cancer, DUI, insurance, life insurance
I am always amazed at the thought process (or lack of) that people go through when we are discussing life insurance application questions. They must think that life insurance underwriters are really not very bright. While I have, on occasion, shared that opinion,...
by Ed Hinerman | Aug 31, 2007 | cancer, diabetes, insurance, life insurance, liver functions, prostate cancer, PSA
A question that comes up quite often when we discuss the examination part of a life insurance application is, just what is they are looking for? They are going to take blood and urine specimens so they must be on the hunt for something! I think the best way to answer...
by Ed Hinerman | Aug 30, 2007 | insurance, life insurance, universal life, whole life
When someone exposes themselves, often the exposee really doesn’t want to see it. If someone exposed your universal life policy today, would it send you screaming into the dark. There isn’t a week that goes by that I don’t yell at the top of my...
by Ed Hinerman | Aug 30, 2007 | insurance, life insurance
I guess if it’s my blog I can occasionally stray from my mission of folding back all the layers of the life insurance onion and just throw out a bizarre one. In Eugene, Oregon recently a man was saved by his seat belt when he blacked out and ran into a parked...
by Ed Hinerman | Aug 30, 2007 | cancer, heart disease, Independent agent, insurance, life insurance, prostate cancer
I’ve often written about the fact that smoking generally increases life insurance rates by at least 100%, all else being equal. The average is really closer to 150% to 200%. Some companies are substantially higher than that. Life insurance underwriters...
by Ed Hinerman | Aug 29, 2007 | diabetes, heart disease, insurance, life insurance, obesity, universal life, whole life
Kind of an ugly image, but the reality is that the US is outgrowing itself by leaps and bounds. You know I will jump on my life insurance band wagon about that, but think about the strain that this will put on the government and health care systems and the increase...
by Ed Hinerman | Aug 29, 2007 | insurance, life insurance
Many agents and agencies require money with your application. That is their requirement, not the requirement of the company that you are applying with. My feelings on this subject are that it takes a lot of gall to ask someone to pay for something that hasn’t...
by Ed Hinerman | Aug 28, 2007 | insurance, life insurance
Every time someone applies for life insurance they ask the question, “so, how long will it take?” After 500 years in the business I have only been right 3 or 4 times………….but in general!! Let’s review the variables. Applying...
by Ed Hinerman | Aug 28, 2007 | cholesterol, heart attack, Independent agent, insurance, life insurance, PSA
When it comes to reasons why life insurance quotes change, right up there with being 10 pounds off on knowing your true weight, is not having a clue what your cholesterol is and finding out on the exam that it’s out of whack. So what’s the fuss with...
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