by Ed Hinerman | Jun 25, 2007 | cancer, insurance, life insurance, melanoma, term insurance
Another overly diligent life insurance shopper shot themselves in the foot today. Remember, three things can happen while you are looking for the best possible rate. One of them is good and I’ve seen people even turn that one against themselves. 1. The good one....
by Ed Hinerman | Jun 19, 2007 | DUI, Independent agent, insurance, life insurance
I am often asked why I need to know someone’s driver’s license number when they are applying for life insurance. “What’s that got to do with it”? Life insurance companies have found a glance at a motor vehicle report to be helpful in...
by Ed Hinerman | Jun 15, 2007 | cancer, heart disease, insurance, life insurance, stroke, term insurance
Somewhere in the education system for financial planners, the curriculum missed one little detail. People die unexpectedly! Estate planning attorney’s missed that class also. For all the good that can come from the advice of either profession, none of the advice...
by Ed Hinerman | Jun 14, 2007 | business life insurance, buy/sell life insurance, Independent agent, insurance, life insurance
Most small businesses, which provide the majority of employment, kind of fly by the seat of their pants when it comes to the area of life insurance and a business continuation plan. Just some food for thought. In the US today, you are more likely than not to either...
by Ed Hinerman | Jun 13, 2007 | foreign travel, Independent agent, insurance, life insurance, skydiving
The discussion went smoothly. A family from Georgia, the wife looking for insurance to replace a term policy on her husband that was coming to the end of the guarantee. Good health. A little family history hiccup, but not a big deal. Then I asked about foreign travel...
by Ed Hinerman | Jun 11, 2007 | heart attack, high blood pressure, hypertension, Independent agent, insurance, life insurance, stroke
When faced with the reality that life insurance rates are going to be higher than expected due to high blood pressure readings on an insurance exam, denial is the mode of the day. People don’t deny that their blood pressure was high. It just follows that there...
by Ed Hinerman | Jun 7, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, Type 1 diabetes, Type 2 diabetes
There are many health things in life that just jump up and grab you. You never see it coming and you would have never dreamed of the impact it could have on your life. The question inevitably runs through your mind. What did I do to deserve this? What could I have...
by Ed Hinerman | Jun 7, 2007 | Alcohol Treatment Life Insurance, cancer, Depression, Drug Treatment Life Insurance, estate taxes, heart disease, insurance, life insurance, private pilots
A Simon and Garfunkel song with the line, “my lack of education hasn’t hurt me none”. Well that may be just fine for most life insurance agents, but the fact that it hasn’t “hurt them none” isn’t really the point. How many...
by Ed Hinerman | Jun 5, 2007 | cancer, coronary artery disease (CAD), heart disease, insurance, life insurance
You gotta love technology. Sometimes the medical science types can come up with a test that is so……….so………..all inclusive, that it falls short in the category of providing statistically significant useful information. One such...
by Ed Hinerman | Jun 3, 2007 | cholesterol, heart attack, insurance, life insurance, obesity
There is a real tendency, especially among the guy population, to not really have a firm grasp on what life insurance is all about! I have been staying in touch with a guy in Connecticut, for two years now. He inquired about life insurance, but decided because he was...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments