by Ed Hinerman | Jul 28, 2007 | cancer, heart attack, insurance, life insurance
If people didn’t die, or if people knew at birth exactly when they would die, the need for life insurance would certainly be looked at differently. The truth is that we all know we will die and unless I am mistaken, mortality tables would show that approximately...
by Ed Hinerman | Jul 27, 2007 | heart attack, insurance, life insurance
There is something about most of us that makes us believe that untimely death only happens to other people. I know I fall in to that category. I jog daily and exercise and eat right and I assume I will live a long life barring an accident. I do have plenty of life...
by Ed Hinerman | Jul 16, 2007 | heart attack, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
The average person who purports to be a life insurance agent will a rather adverse reaction if you tell them you want life insurance and openly admit that you have heart disease. It doesn’t matter if you have just had minor blockage that was treated medically,...
by Ed Hinerman | Jul 12, 2007 | arrythmia, atrial fibrillation, heart attack, heart disease, life insurance
According to the American Heart Association, about 2.2 million Americans have atrial fibrillation, a form of arrhythmia to some degree. It seems like this year about half of them have inquired about life insurance through our office. Like most health issues, life...
by Ed Hinerman | Jul 11, 2007 | heart attack, insurance, life insurance
If you’re looking for a fascinating read, try your own medical records sometime. It runs the gamut from comedy to mystery and there’s even parts of it that might fall into the non fiction class. Be prepared though. What you think you’ll find when you...
by Ed Hinerman | Jul 2, 2007 | diabetes, heart attack, Independent agent, insurance, life insurance, private pilots, Type 1 diabetes, Type 2 diabetes
This, for me, just falls into the “go figure” category. Two of the best companies from a product and underwriting stance, MONY and US Financial, were purchased within the last year by AXA Equitable. For a while nothing changed and then snap (my imitation...
by Ed Hinerman | Jun 11, 2007 | heart attack, high blood pressure, hypertension, Independent agent, insurance, life insurance, stroke
When faced with the reality that life insurance rates are going to be higher than expected due to high blood pressure readings on an insurance exam, denial is the mode of the day. People don’t deny that their blood pressure was high. It just follows that there...
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 | Jun 1, 2007 | Alcohol Treatment Life Insurance, breast cancer, cancer, guaranteed issue life insurance, heart attack, Independent agent, insurance, life insurance, Type 2 diabetes
I think I’ve mentioned before that there is a real propensity in the life insurance business for agents to be so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the job....
by Ed Hinerman | May 30, 2007 | Anxiety, heart attack, heart disease, high blood pressure, insurance, life insurance, seizure disorder, stroke
Having done a rather narrowly focused, completely unscientific survey, I have determined that snakes should probably have some underwriting significance when it comes to life insurance. Here are a few examples. A woman in her 60’s who was known to have heart...
by Ed Hinerman | May 3, 2007 | breast cancer, business life insurance, buy/sell life insurance, cancer, children's life insurance, guaranteed issue life insurance, heart attack, insurance, Juvenile life insurance, life insurance, melanoma, Type 2 diabetes
How often do we hear it? A friend or family member has had a heart attack or been diagnosed with cancer at an age that is just, well….wrong! We expect health problems and death when someone gets into their 80’s. It’s not nearly so common in their...
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 12, 2007 | breast cancer, cancer, diabetes, heart attack, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
You know, the life insurance business is like waking up in a different world every day. For an independent life insurance agent there is a constant flow of clients with various impairments. Not a day goes by when you aren’t working hard to find someone who has...
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 | Mar 31, 2007 | coronary artery disease (CAD), heart attack, Independent agent, insurance, life insurance
With the news out this week that a recent study shows little or no added health benefit for a heart patient that has a stent put into a vein, stand by to see how life insurance underwriting will react. Quoting an Associated Press article by Mark Jewell,...
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