by Ed Hinerman | Mar 11, 2010 | insurance, life insurance, prostate cancer
I’ve often heard and read several places that most men will get prostate cancer to some degree if they live to a moderately old age. The good news is that, for many, it will have little or no impact on their lives or their mortality. For a great many they will,...
by Ed Hinerman | Mar 10, 2010 | insurance, life insurance, suicide clause
Like cancer and car accidents, there are probably very few of us who haven’t been touched by the loss of a relative or someone we know by suicide. I try to address this sensitive issue a couple of times a year just because I believe a lot of life insurance...
by Ed Hinerman | Mar 9, 2010 | insurance, life insurance
“My great concern is not whether you have failed, but whether you are content with your failure.”–Abraham Lincoln Well, Abe was certainly easier to please than me. When it comes to protecting your family future with life insurance, with the very rare...
by Ed Hinerman | Mar 9, 2010 | insurance, life insurance, whole life
Yesterday I offered a post about term insurance versus whole life. There was on piece of the puzzle I left out, a particularly disturbing one since, first and foremost a life insurance agent should be all about making sure there is enough death benefit to take care of...
by Ed Hinerman | Mar 8, 2010 | insurance, life insurance, term insurance, whole life
Clients being ever vigilant for the fine print or hidden costs occasionally ask how I get paid. The core of the question for them is, of course, any additional cost they might incur above and beyond the premium. How do life insurance agents get paid? This isn’t a...
by Ed Hinerman | Mar 5, 2010 | insurance, life insurance, mortality, mortality risk
If there is a common thread through the whole life insurance application/underwriting experience, it’s that those applying tend to underplay their mortality while feeling like underwriters really overplay the whole mortality thing. Life insurance pricing and...
by Ed Hinerman | Mar 4, 2010 | Anxiety, insurance, life insurance
Depression is one of those life insurance issues I’ve been hearing about forever. Anxiety, on the other hand, was something I rarely heard about 10 years ago and today it seems anxiety treatment is almost as common as cholesterol treatment. I think I get that....
by Ed Hinerman | Mar 3, 2010 | insurance, life insurance, term insurance
A year and a half ago when everyone’s 401k’s had suddenly turned into 201k’s I threw out the suggestion that people buy 10 year term insurance as a way to kind of fill the bucket back up until things recovered. Now true, it wasn’t an idea to...
by Ed Hinerman | Mar 2, 2010 | cholesterol, conversion, insurance, life insurance
Of course that questions begs another question. Has common sense ever been a standard of life insurance underwriting? The real answer is yes. Absolutely yes. Before the big changes that came with the shrinking number of reinsurance companies and before we were...
by Ed Hinerman | Mar 1, 2010 | beneficiary, insurance, life insurance
After some discussion with a client today I thought it was worth expanding the conversation. He had submitted an application for life insurance showing his wife and his two daughters, ages 1 and 3, as equal primary beneficiaries of a $1,000,000 policy. His logic was...
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