by Ed Hinerman | Sep 30, 2008 | cancer, decline, heart attack, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea
Well, duh! Of course you do, but the good news is that you don’t have to be breathing all the time. After all, sleep apnea could be loosely described as periods of not breathing during sleep. Sleep apnea is one of those health issues that life insurance...
by Ed Hinerman | Sep 26, 2008 | bipolar disorder, blood pressure, cholesterol, high blood pressure, hypertension, Independent agent, insurance, life insurance
If anything, I hope I’ve driven home the point over the years that life insurance underwriters look at any health issue not just from a pure mortality standpoint, but from a compliance and control point of view. If you look at the overall bucket of potential...
by Ed Hinerman | Sep 22, 2008 | blood pressure, high blood pressure, Independent agent, insurance, life insurance, term insurance
I understand that most people go and stay where they are the most comfortable. That’s why so many people end up buying overpriced life insurance through their auto and homeowner’s agent, agents that are captive to companies like Farmers, State Farm, Farm...
by Ed Hinerman | Sep 19, 2008 | AIG, Independent agent, insurance, life insurance, term insurance, universal life, whole life
With the federal bail out and takeover of AIG a few days ago it is now pretty apparent that assets from the insurance giant will be up for sale soon. With the terms of the bailout loan only being two years in length and at an interest rate of 11.5%, while there...
by Ed Hinerman | Sep 17, 2008 | breast cancer, cancer, Independent agent, insurance, life insurance
I haven’t talked for a while about my mother’s progress in fighting the breast cancer she was diagnosed with about 3 months ago. Kind of a disclaimer concerning this is that while I am using my mother as an example of how the different aspects of breast...
by Ed Hinerman | Sep 16, 2008 | AIG, Independent agent, insurance, life insurance, universal life
I have brought up several times in the last two days the fact that those who have guaranteed policies don’t have anything to worry about in the whole AIG shake up. On the other hand, those with non guaranteed universal life policies, policies that rely on...
by Ed Hinerman | Sep 16, 2008 | AIG, Independent agent, insurance, life insurance, term insurance, universal life
Wow, what a day. What a week! What a year! Being an independent life insurance agent, one of about 57,000 who have American General, AIG in their portfolio, I have had the opportunity to discuss the whole financial crisis of AIG several times today. I have also see...
by Ed Hinerman | Sep 15, 2008 | Independent agent, insurance, life insurance, term insurance, universal life
I’ve fielded a number of questions in the past several days concerning AIG, American General Life. With AIG, American International Group, taking a beating in the last quarter, mainly due to the mortgage meltdown and its’ exposure to that, clients who have...
by Ed Hinerman | Sep 10, 2008 | Independent agent, insurance, life insurance, universal life
As the economic stomach keeps on turning, I raise the cry once again for people with universal life insurance policies to get them reviewed. If a policy is not guaranteed to remain in force to age 100 or beyond with a guaranteed level premium, and hellooo, MOST...
by Ed Hinerman | Sep 5, 2008 | Independent agent, insurance, life insurance, universal life, whole life
Cash value! Sounds good when you say it. If your whole life or universal life insurance policy has performed well it may even be kind of fun to look at, but don’t, I repeat don’t accept their annual invitation to dip into it. When cash value starts...
by Ed Hinerman | Aug 27, 2008 | arrythmia, cancer, decline, diabetes, heart disease, Independent agent, insurance, life insurance
I feel like a myth buster today. I was speaking with a woman today who made it very clear that she didn’t want to apply for life insurance if there was a chance she would be declined. Here reason is that life insurance applications ask if you’ve ever been...
by Ed Hinerman | Aug 26, 2008 | Independent agent, insurance, life insurance, obesity
I’ve often discussed the role that build charts play in the underwriting of life insurance. From an insurance point of view it’s as simple as this, trim is good and overweight is bad. Trim gets the best rates and overweight doesn’t. For the purpose...
by Ed Hinerman | Aug 22, 2008 | Depression, Independent agent, insurance, life insurance
I doubt there are any of us who have not been through some period of situational depression and while depression can come in many colors and sizes, I think it is important to define it and talk about it in the context of life insurance. Common causes of situational...
by Ed Hinerman | Aug 20, 2008 | blood pressure, cancer, cholesterol, diabetes, heart attack, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
Virtually all life insurance companies take your immediate family health history into consideration at some level. They don’t all view it the same and they certainly don’t all treat it the same, but it is in their guidelines and they seldom waiver. This...
by Ed Hinerman | Aug 19, 2008 | Independent agent, insurance, life insurance, term insurance
I think I’ve made my position pretty clear when it comes to where the best values on life insurance can be found and the fact that your local auto and homeowners agency is not that place. I feel the need to expound today. You see advertisements all the time with...
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