by Ed Hinerman | Mar 22, 2010 | AARP, diabetes, insurance, life insurance
When I think advocate, I think, “Yes, someone who can help take some of this weight off of me. Someone who has the experience and the knowledge to get me through this”. I remember sharing my experience with the ADA, American Diabetes Association, a few...
by Ed Hinerman | Jan 7, 2010 | insurance, life insurance, New York Life
I want to confess right up front that the title to this post is plagiarized from a New York Life article where they do their best to make the case that bells and whistles and an agent in your home are worth the higher cost for their product. I’ve only been to...
by Ed Hinerman | Jan 7, 2010 | AARP, insurance, life insurance
January 7 and I have already received several emails and a mailing from AARP basically asking me if I have somehow missed the last 200 attempts to get me to buy life insurance from them. I see the way my Mom trusts AARP, not a view shared by my Dad when he was still...
by Ed Hinerman | Dec 28, 2009 | cholesterol, HDL, insurance, life insurance
Life insurance underwriting is kind of like sand dunes. You can take a picture at the beginning of a year and it can be absolutely clear where every grain of sand lies. The exact same picture taken at the end of the year could easily have been taken on another planet....
by Ed Hinerman | Oct 23, 2009 | insurance, life insurance, no exam
I got an application in the mail yesterday from a Garden State Life It came with a (dang it) non-negotiable sample death benefit check and all of the emotional verbiage they could come up with in order to convince you to act now and don’t take time to check out...
by Ed Hinerman | Sep 9, 2009 | AARP, insurance, life insurance
I can rant and rave all day long about the perverse way AARP treats its’ members with their insurance programs, and I do, but that’s just my professional opinion. I recently received a personal opinion from a person whose mother is an owner of one of the...
by Ed Hinerman | Aug 20, 2009 | AARP, insurance, life insurance
I know it seems like about half of my adult life has been spent shooting arrows at AARP for their mistreatment of their constituency with their pet program, AARP’s Life Insurance underwritten through New York Life. You would think this organization would have...
by Ed Hinerman | Aug 5, 2009 | AARP, insurance
AARP is on a soapbox concerning health care reform, once again purporting to be the mother of all advocacy groups on behalf of all of us who are over 50, and of course if we want to buy something our spouses of they are over 45. I won’t even get into the health...
by Ed Hinerman | Jul 7, 2009 | insurance, life insurance, New York Life, term insurance
New York Life has started a newsletter on Twitter and decided to follow me, I suspect because of this real fondness I have for their overpriced term products, their love of whole life and the commissions they get from it, and last but by no means least, their sick...
by Ed Hinerman | Jul 1, 2009 | insurance, life insurance, smoking
I would be the last person in the world to say that habits are easy to change, especially bad, life long, ingrained habits. But no kidding, there are some cases I really can’t wrap my mind around. The one that caught my “you’ve got to be...
by Ed Hinerman | Jun 23, 2009 | final expense life insurance, insurance, life insurance, universal life, whole life
Some have noted that I’m more than just a little opinionated when organizations and companies try to sell overpriced, under guaranteed term insurance or whole life policies as final expense policies. First let’s kind of define the final expense need so...
by Ed Hinerman | Jun 18, 2009 | AARP, insurance, life insurance, New York Life
New York Life must be on a revenue generation mission. My latest AARP magazine had an advertisement for their AARP group term insurance with an increased limit I hadn’t seen before. You can now “add to your family’s financial security with up to...
by Ed Hinerman | Jun 2, 2009 | diabetes, insurance, life insurance, term insurance
No, no. I don’t really think I’m special. Family nickname and joke. “Ed’s done so well they named an entire school curriculum after him.” Ha Ha! Today I want to reflect on this, my 1000th post, and the journey and events of the last 2 1/2...
by Ed Hinerman | May 27, 2009 | AARP, insurance, life insurance, New York Life, term insurance, universal life, whole life
Just got back from a conference in California and am catching up on the latest news. Life insurance giant New York Life, AARP’s partner in crime with their term insurance and whole life products, doesn’t seem to be making enough soaking us old folks. They...
by Ed Hinerman | May 18, 2009 | AARP, term insurance, whole life
It’s been literally days since I’ve popped a gasket and spewed my lack of respect for AARP all over the place, but they just mailed and want me to renew my membership. Obviously they must think there are two of us out here and their mail is going to the...
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