by Ed Hinerman | Mar 19, 2009 | breast cancer, cancer, insurance, life insurance
Breast cancer has been a source of ongoing discussion and some great victories over the past five years in life insurance. Earlier detection and advanced treatment has helped underwriters take a more aggressive stance and provide better offers than ever before. Having...
by Ed Hinerman | Mar 19, 2009 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Big news yesterday. Two studies that have been going on over the last 10 years threw a lot of doubt as to the value of the PSA (prostate specific antigen) test as it pertains to prostate cancer. Are the recommended annual tests going to go by the wayside and what...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Mar 1, 2009 | AARP, cancer, Depression, diabetes, heart disease, insurance, life insurance, New York Life
I had posed a question to the Latino community a few weeks ago asking whether a life insurance website in Spanish with a direct line to bilingual staff would be something helpful. New York Life recently unveiled exactly what I was talking about. Yes, this is the same...
by Ed Hinerman | Feb 27, 2009 | breast cancer, cancer, insurance, life insurance
One of the great things from a life insurance standpoint in regards to early stage breast cancer, due to the very high survival rate, is that life insurance can often be purchased not too long after the cancer therapy is complete at as good as standard rates. Probably...
by Ed Hinerman | Feb 20, 2009 | cancer, diabetes, insurance, life insurance, Type 2 diabetes
Just yesterday I posted some guidelines on what it takes to get good life insurance rates if you have diabetes. Today I read a sometimes funny and sometimes poignant take on life with type 2 diabetes on DLife.com. I have a true appreciation for those who can keep a...
by Ed Hinerman | Feb 17, 2009 | basal cell carcinoma, blood pressure, cancer, cholesterol, diabetes, DUI, insurance, life insurance, private pilots, scuba diving, skydiving, smoking
I’m often asked, after the fact, what it takes to get the best life insurance rates. While I would be hard pressed to cover everything that could be hiding in your medical records, I can provide a general rundown based on the exam, labs, family and personal...
by Ed Hinerman | Feb 5, 2009 | blood pressure, cancer, diabetes, gastric bypass, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea, stroke
Talk about a sensitive issue. The truth is that being overweight isn’t an easy thing to be and it isn’t an easy thing to talk about, and when you are told your life insurance will cost more because of it, it feels like a slap in the face. Having said that,...
by Ed Hinerman | Jan 31, 2009 | cancer, heart attack, insurance, life insurance, term insurance
It’s not likely that I will live long enough to actually hear every argument for not buying life insurance, but the truth is that the only thing that replaces life insurance is liquid assets, wealth. Life insurance really has two main purposes. Peace of mind is...
by Ed Hinerman | Jan 31, 2009 | cancer, children's life insurance, diabetes, epilepsy, insurance, life insurance, Type 1 diabetes
The whole subject of life insurance on children has a certain “yuk” factor that comes with it. Parents, even those who would be hard pressed to deal financially with the loss of a child, would really prefer not to talk about it. I would like to throw out...
by Ed Hinerman | Jan 28, 2009 | cancer, cholesterol, heart disease, insurance, life insurance, mortality, smoking
2001 brought good news for the insurance industry and the consumers of that industry as the new CSO (Commissioner’s Standard Ordinary) 2001 mortality table was released and put into use in determining life insurance rates. By the way, if you haven’t poked...
by Ed Hinerman | Jan 27, 2009 | cancer, heart attack, insurance, life insurance, mortality risk
I rant. I rave. I scream from the rafters. The point I keep making about people’s mortality hit home again for me over the weekend when a 51 year old friend of mine died suddenly at home. Danny was just too young to die. He was too active to die. When I was...
by Ed Hinerman | Jan 23, 2009 | cancer, Independent agent, insurance, life insurance
When most people think about shopping for insurance, they think in terms of getting opinions from multiple agents. The real bang for your buck value comes from having an independent agent informally shop your case through multiple companies. Case in point. I had a...
by Ed Hinerman | Jan 15, 2009 | cancer, pilot, private pilots, stroke, student pilot, term insurance
One in six men who reach age 26 in our country will not make it to age 64. For women it is one in nine. I live in a small town in the “Heart of the Rockies”, Salida, Colorado. Around here when someone passes away, everyone knows it. When someone passes...
by Ed Hinerman | Dec 29, 2008 | blood pressure, breast cancer, cancer, cholesterol, diabetes, obesity, Type 2 diabetes
In reviewing my last post concerning some of the changes in underwriting of life insurance that occurred in 2008, I found some parallels between that and some of the most significant medical breakthroughs of the year. Could it be that underwriters are doing their...
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