by Ed Hinerman | Aug 1, 2007 | Independent agent, insurance, life insurance, obesity, term insurance
At least one life insurance company out there has come to grips with and made a positive allowance for the fact that as we get older, most of us tend to weigh a little more than we did in our 40’s and 50’s. This is certainly not to say that Prudential has...
by Ed Hinerman | Jul 31, 2007 | insurance, life insurance, return of premium term insurance, term insurance, whole life
Return of premium term insurance provides coverage for a guaranteed period at a level premium and when you outlive the term, it gives you your premiums back. The annual cost is higher than straight term, but with term insurance you pay for coverage and if you outlive...
by Ed Hinerman | Jul 31, 2007 | cancer, diabetes, heart disease, insurance, life insurance
Heart disease is no longer the number one cause of death for Americans under the age of 85. Dramatic decreases in the death rate per 100,000 have been cut almost in half for both men and women in a study that spanned 1980 to 2000. This bumped cancer up to the number...
by Ed Hinerman | Jul 30, 2007 | diabetes, insurance, life insurance
From a life insurance standpoint, diet and exercise control of diabetes, if well controlled, would certainly earn the best possible rates that someone with diabetes could expect. But what happens if someone has diabetes and also happens to be an athlete? And not just...
by Ed Hinerman | Jul 30, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer
I recently worked with a client who, seven years after his radical prostatectomy for prostate cancer, once again had a detectable and rising PSA. This news was discovered from the lab results on an insurance exam. While his PSA wasn’t high, in the absence of a...
by Ed Hinerman | Jul 30, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer
How often have I said it’s all about mortality? That is the bottom line for life insurance underwriters. The better the survivability of any health issue, the better the underwriting and subsequent life insurance rates. A recent Washington Post article provided...
by Ed Hinerman | Jul 28, 2007 | cancer, heart attack, insurance, life insurance
If people didn’t die, or if people knew at birth exactly when they would die, the need for life insurance would certainly be looked at differently. The truth is that we all know we will die and unless I am mistaken, mortality tables would show that approximately...
by Ed Hinerman | Jul 28, 2007 | Independent agent, insurance, life insurance
When doing a needs analysis for life insurance, one of the most critical factors is replacement of income. Normally when we think about replacement of income we are looking at what it would take to replace $25,000 or $100,000 a year. In the case of pro athletes, with...
by Ed Hinerman | Jul 27, 2007 | diabetes, Independent agent, insurance, life insurance, Type 2 diabetes
Writing life insurance in New York is challenging on a good day. New York has only recently stepped into the last century as far as insurance law and available products. With the challenges in underwriting life insurance for diabetics, it would behoove someone to drag...
by Ed Hinerman | Jul 27, 2007 | heart attack, insurance, life insurance
There is something about most of us that makes us believe that untimely death only happens to other people. I know I fall in to that category. I jog daily and exercise and eat right and I assume I will live a long life barring an accident. I do have plenty of life...
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