by Ed Hinerman | Jun 20, 2008 | Independent agent, insurance, life insurance
There is a rampant misconception out there that life insurance is too expensive and for that reason many people forgo even considering it as a financial planning tool. In a time when many families live paycheck to paycheck it is understandable that they would turn...
by Ed Hinerman | Jun 20, 2008 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Because of the exceptionally high success rate in treatment of prostate cancer, it stands out as ultimately one of the most insurable cancer histories from a life insurance underwriting view. Prostate cancer is the second most commonly diagnosed cancer among men, but...
by Ed Hinerman | Jun 19, 2008 | Biggest Loser, Fat March, Independent agent, insurance, life insurance, obesity
I have often written about the downside of life insurance underwriting of weight issues, but there actually an upside. Back when I was posting weekly about the reality TV shows Fat March and Biggest Loser, while I did point out the health issues that can be caused by...
by Ed Hinerman | Jun 17, 2008 | breast cancer, cancer, Independent agent, insurance, life insurance
I wrote a post about breast cancer last week. I was on the way to Wyoming as my Mom was preparing to have a lump removed from her breast. Thank you for your continued prayer. I haven’t received a copy of the pathology report yet but the lump was confirmed to be...
by Ed Hinerman | Jun 17, 2008 | Attention Deficit Disorder, bipolar disorder, Depression, Independent agent, insurance, life insurance
ADHD (Attention Deficit Hyperactivity Disorder) is more commonly associated with children, and for good reason. Raising any child is a challenge. Even the best of them is a handful. Having raised a son with ADHD I can tell you that it’s kind of like fireworks,...
by Ed Hinerman | Jun 12, 2008 | breast cancer, cancer, Independent agent, insurance, life insurance, prostate cancer
Last year my father, age 85, did battle with bladder cancer. He was blessed with great doctors and literally hundreds of people praying for him. Today you wouldn’t even know that he had been through a fight with a high grade, high stage cancer that takes more...
by Ed Hinerman | Jun 11, 2008 | Independent agent, insurance, life insurance, private pilots, scuba diving, skydiving
Whenever I do an initial interview with a life insurance client we always touch on “avocation” questions, the dangerous hobby thing. In general the life insurance underwriter wants to know if you are actively increasing your mortality experience by having...
by Ed Hinerman | Jun 11, 2008 | cancer, coronary artery disease (CAD), decline, diabetes, hepatitis, Independent agent, insurance, life insurance, prostate cancer
When you apply for life insurance it is not a given that you will get what you want or what you believe you deserve. By far the majority of policies are approved with no surprises. A smaller percentage are approved but at a different rate. And a small percentage are...
by Ed Hinerman | Jun 10, 2008 | Independent agent, insurance, life insurance, term insurance, whole life
You have to love those one liners that just go on and on. I was always especially fond of the first President Bush’s “Read my lips” line. If Barbara Bush is anything like my wife she is probably still giving him a bad time over that. Well, now that I...
by Ed Hinerman | Jun 9, 2008 | angioplasty, bypass surgery, cancer, coronary artery disease (CAD), diabetes, heart attack, Independent agent, insurance, life insurance
Any time I am working with a new client who has had serious health issues, there are specific pieces of information I need that are essential to my ability to provide an accurate quote. On rare occasions people will know the critical information, but most of the time...
by Ed Hinerman | Jun 9, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
Ahh! The good old days when smokers were smokers except with one life insurance company, some smokers weren’t smokers. This actually wasn’t all that long ago, maybe a year and a half, but there was a company called US Financial who truly looked at things...
by Ed Hinerman | Jun 5, 2008 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, Type 2 diabetes
Everyone believes they should get the preferred plus rates that are advertised everywhere. “Di you know that John can have $500,000 of term life insurance for just $12 per month?”. The truth is that many qualify for those rates and get them, but for the...
by Ed Hinerman | Jun 3, 2008 | Independent agent, insurance, life insurance, private pilots
Just as a practical matter the underwriting of private aviation may have to be reviewed. One of the guidelines that most companies have historically used is annual hours flown. Typically a company wants to see annual hours at or above 26. With the price of all fuel...
by Ed Hinerman | Jun 3, 2008 | arthritis, cancer, Independent agent, insurance, life insurance, osteoarthritis, rheumatoid arthritis
When you blow past that 50 mark in your life it seems that the aches and pains are more frequent and often show up without any good reason. I remember when I was younger playing 36 holes of golf (carrying my bag) and while I was tired, sore was not a problem. Now at...
by Ed Hinerman | May 28, 2008 | Anxiety, bipolar disorder, Depression, diabetes, heart attack, heart disease, hepatitis, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There must be a couple of million people in the US licensed to sell life insurance. If you take in the giant internet mega agencies, all of the independent agents, and all of the captive agents (work for just one company), the possibilities for purchasing life...
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