by Ed Hinerman | Jul 25, 2007 | cholesterol, Independent agent, insurance, life insurance, liver functions
You know the rates I’m talking about. You see them on TV, in magazines and on the internet. Rates so low that they make even the most seasoned, die hard, disliker of life insurance consider running right out and getting some. They’ve been called Superman...
by Ed Hinerman | Jul 24, 2007 | cholesterol, insurance quotes, life insurance, term insurance
The old saying that “a bird in the hand is worth two in the bush” is really what I try to drive home about life insurance. Something is always better than nothing when it comes to your beneficiaries. Let me give you a common example. A person applies for...
by Ed Hinerman | Jul 12, 2007 | cholesterol, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea
The industry norm for underwriting sleep apnea has been the same for years until the Rock rocked the boat. Mild to moderate sleep apnea has historically been underwritten at a standard or possibly a standard plus rate depending on compliance with cpap use and a sleep...
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...
by Ed Hinerman | May 18, 2007 | cholesterol, heart disease, high blood pressure, insurance, life insurance, stroke, Type 2 diabetes
Apparently there is a significantly better chance of suffering a stroke if you live in the south, with Mississippi leading the way. The percentage of people who have strokes in Mississippi is about twice the national average. I did some relief work there after Katrina...
by Ed Hinerman | Apr 10, 2007 | cholesterol, Independent agent, insurance, life insurance, liver functions, term insurance
A person’s build, their height and weight and how that is distributed, is probably the biggest bone of contention in life insurance underwriting. Unlike lab results like cholesterol or liver functions, people can try to chase the weight rabbit a few different...
by Ed Hinerman | Apr 8, 2007 | cancer, cholesterol, diabetes, guaranteed issue life insurance, heart attack, high blood pressure, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
One of the life insurance “urban legends” has to do with the large jump life insurance rates take when you turn 50, and again at 60, and well, let’s not even talk about 70. The truth is that while the cost per thousand of life insurance does in fact...
by Ed Hinerman | Apr 6, 2007 | Anxiety, cholesterol, Depression, hypertension, Independent agent, insurance, life insurance
It seems like 30 years ago it was a rare thing indeed to hear of someone who was on medication for depression. Of course back then people really didn’t talk about our problems very openly and the treatment options were generally restricted to visiting a...
by Ed Hinerman | Apr 3, 2007 | cholesterol, coronary artery disease (CAD), epilepsy, Independent agent, insurance, life insurance, seizure disorder, Type 1 diabetes, Type 2 diabetes
If you told a life insurance agent that you have a seizure disorder or epilepsy, and have they told you are uninsurable without asking more questions, take them off your Christmas card list. They are, not unlike most of their fellow agents, ignorant of the disorder...
by Ed Hinerman | Mar 25, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 2 diabetes
It used to be that in order to secure the best life insurance quotes a person needed to be nearly Superman, or slightly better if possible. There was certainly a day not all that long ago when treatment for hypertension or high cholesterol would have bumped you from...
by Ed Hinerman | Feb 21, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
Let’s start with an analogy. Suppose you have just made a decision that it is time to buy a car and that, like me, you live in a thriving metropolis of 6000 people. There are two car dealerships, neither of whom have anything close to a large selection, and...
by Ed Hinerman | Feb 21, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, liver functions, Type 1 diabetes, Type 2 diabetes
I don’t think I would be overstating the subject at all if I said that at least once a week I have a client who, for the first time, discovers they have a health issue because the life insurance exam lab results bring it to light. Some of the most frequent...
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