by Ed Hinerman | May 11, 2007 | Independent agent, insurance, life insurance
Probably the most disgruntled life insurance clients get is when they are told that their insurance is going to cost more because their estimate of their weight was off, or they weren’t really 5’9, but 5’8 1/2 (which examiners round down, not up)....
by Ed Hinerman | May 4, 2007 | coronary artery disease (CAD), Independent agent, insurance, stroke, Type 2 diabetes
According to the American Diabetes Association website, www.diabetes.org, the numbers of those with diabetes are growing by leaps. “There are 20.8 million children and adults in the United States, or 7% of the population, who have diabetes. While an estimated...
by Ed Hinerman | May 1, 2007 | Independent agent, insurance, life insurance
According to a recent survey most people (at least the grown up variety) agree that they need life insurance. The reason they cited for not having made the purchase…..no one ever talked to them about it. As a professional this concerned me. How could there be...
by Ed Hinerman | Apr 28, 2007 | coronary artery disease (CAD), Independent agent, insurance, life insurance, Type 2 diabetes
Just having returned from a week in Jamaica thinking to escape one of my greatest passions about life insurance, diabetes, the more a I got whacked up side the head with the fact that it seems to epidemic everywhere. Turns out Jamaica has a real problem with juvenile...
by Ed Hinerman | Apr 27, 2007 | Independent agent, insurance, insurance quotes, term insurance, universal life, whole life
Hi, My name is Ed Hinerman. I haven’t been selling life insurance forever, but I have been around long enough to see radical changes in products available. I just want to share with you today what I consider to be one of the most troublesome leftovers from the...
by Ed Hinerman | Apr 19, 2007 | Independent agent, insurance, life insurance
There’s this area of underwriting that has always been a source of annoyance for me. It involves foreign travel, but more specifically foreign travel as a missionary. The whole subject seems to be a stumbling block for almost all insurance companies. They just...
by Ed Hinerman | Apr 19, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Shopping for life insurance when you have had prostate cancer is a challenge. Your best bet is to find an independent life insurance agent who really knows the disease and what underwriters are looking for. This is just not a task for your hometown American Family...
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 14, 2007 | basal cell carcinoma, cancer, Independent agent, insurance, insurance quotes, life insurance, melanoma, squamous cell carcinoma
The various skins cancers and the way in which they are viewed by life insurance underwriters continues to evolve. The three primary skin cancers are basal cell carcinoma, squamous cell carcinoma and melanoma. Not even five years ago it was a given that basal cell...
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 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 7, 2007 | coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, private pilots, Sleep apnea, Type 2 diabetes
Most sleep apnea is diagnosed first by the spouse of the person who has it. Usually they would consider themselves to be the one that suffers from because one of the possible signs of sleep apnea is extraordinarily loud snoring. Actually sleep apnea, left untreated,...
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 5, 2007 | cancer, coronary artery disease (CAD), epilepsy, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
If I were speaking to an auditorium full of people, a specially selected audience, all of whom had type 1 or type 2 diabetes, or epilepsy, and I asked for a show of hands for everyone who had tried to buy life insurance since their diagnosis, likely I would see a...
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