by Ed Hinerman | May 1, 2007 | Independent agent, insurance, life insurance
According to a recent survey most people (at least the grown up variety) agree that they need life insurance. The reason they cited for not having made the purchase…..no one ever talked to them about it. As a professional this concerned me. How could there be...
by Ed Hinerman | Apr 28, 2007 | coronary artery disease (CAD), Independent agent, insurance, life insurance, Type 2 diabetes
Just having returned from a week in Jamaica thinking to escape one of my greatest passions about life insurance, diabetes, the more a I got whacked up side the head with the fact that it seems to epidemic everywhere. Turns out Jamaica has a real problem with juvenile...
by Ed Hinerman | Apr 27, 2007 | Independent agent, insurance, insurance quotes, term insurance, universal life, whole life
Hi, My name is Ed Hinerman. I haven’t been selling life insurance forever, but I have been around long enough to see radical changes in products available. I just want to share with you today what I consider to be one of the most troublesome leftovers from the...
by Ed Hinerman | Apr 25, 2007 | final expense life insurance, insurance, insurance quotes, life insurance, term insurance, universal life
I’ve heard some good ones. I don’t want to make her rich. She only needs enough to get by until she can find another husband. What happens if I’m still alive when I reach the end of my term insurance? A lot of excuses for not stepping up and buying...
by Ed Hinerman | Apr 19, 2007 | Independent agent, insurance, life insurance
There’s this area of underwriting that has always been a source of annoyance for me. It involves foreign travel, but more specifically foreign travel as a missionary. The whole subject seems to be a stumbling block for almost all insurance companies. They just...
by Ed Hinerman | Apr 19, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Shopping for life insurance when you have had prostate cancer is a challenge. Your best bet is to find an independent life insurance agent who really knows the disease and what underwriters are looking for. This is just not a task for your hometown American Family...
by Ed Hinerman | Apr 18, 2007 | insurance, life insurance
Some days are just hard. I was still reeling from the news last night of all the students and teachers killed on the Virginia Tech campus. Things like that are just so hard to fathom. Then I received an email from a friend in California today, that a relative of his...
by Ed Hinerman | Apr 17, 2007 | coronary artery disease (CAD), Depression, heart attack, high blood pressure, Independent agent, insurance, insurance quotes, life insurance, Type 2 diabetes
The question often comes up, “why is type 2 diabetes a big deal when a person is trying to buy life insurance”? After all, you take your medicine and keep your blood sugar down and, well, what’s the problem? The truth is that if all it involved was...
by Ed Hinerman | Apr 14, 2007 | basal cell carcinoma, cancer, Independent agent, insurance, insurance quotes, life insurance, melanoma, squamous cell carcinoma
The various skins cancers and the way in which they are viewed by life insurance underwriters continues to evolve. The three primary skin cancers are basal cell carcinoma, squamous cell carcinoma and melanoma. Not even five years ago it was a given that basal cell...
by Ed Hinerman | Apr 13, 2007 | insurance, life insurance
A new product about to hit the market that will let you live on in your family long after you are gone. It’s called “after thoughts birthday insurance”. What if each of your grandchildren, after you passed away, got a personalized birthday card from...
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