by Ed Hinerman | Mar 24, 2007 | cancer, heart attack, Independent agent, insurance, life insurance
A frequently asked question about life insurance is “how long before the policy becomes effective?” The supposed “waiting period” has evolved from a misunderstanding from two different directions.Along with the waiting period question is also a...
by Ed Hinerman | Mar 22, 2007 | cancer, coronary artery disease (CAD), heart attack, Independent agent, insurance, insurance quotes, life insurance
Coronary artery disease (CAD), heart attacks, angioplasty and bypass surgery are generally enough to make the average life insurance agent run for the hills. As they close the door or hang up the phone they will probably be sputtering something about uninsurable. Time...
by Ed Hinerman | Mar 17, 2007 | cancer, guaranteed issue life insurance, heart attack, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Probably nothing rubs me the wrong way worse than an insurance agent who tells someone they are uninsurable just because they don’t represent a company that will make an offer on a particular health problem. Sometimes these agents don’t even understand the...
by Ed Hinerman | Mar 10, 2007 | coronary artery disease (CAD), heart attack, Independent agent, insurance, insurance quotes, life insurance
You have to love an optimist. I had a call a few years back from a man inquiring about life insurance. As we were going through health questions I asked about cardiac issues and he admitted that he had gone through a two vessel angioplasty after a minor heart attack....
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