by Ed Hinerman | Mar 10, 2007 | Independent agent, insurance, insurance quotes, life insurance
Probably one of the most common surprises and points of contention in life insurance underwriting is when, even though your health is perfect, your life insurance quote changes after you apply because your height and weight (build) weren’t exactly what they...
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....
by Ed Hinerman | Mar 9, 2007 | breast cancer, cancer, Independent agent, insurance, insurance quotes, life insurance
Uninsurable and breast cancer used to be synonymous in life insurance, no matter the type, stage or grade. It wasn’t that long ago that cancer of any type was generally talked about in the context of how many weeks or months someone had left to live. Thanks to...
by Ed Hinerman | Mar 9, 2007 | Independent agent, insurance, insurance quotes, life insurance, prostate cancer, PSA, term insurance, universal life, whole life
It was not that long ago that UNINSURABLE was often found in the same sentence with cancer, no matter the type, stage or grade. That was based on the fact that back when I was young people who had cancer, almost any kind of cancer, died from it. It seemed that the...
by Ed Hinerman | Mar 7, 2007 | Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance, universal life
I’ve found that one of the hardest things to decide when getting quotes for term life insurance is what term length is best. The reason it’s such a challenge is that the truth is that not all of our needs go away at once. A good independent life insurance...
by Ed Hinerman | Mar 4, 2007 | breast cancer, cancer, Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life, whole life
Like so many urban legends or wives tales, there is the notion going around that many people cannot get life insurance, or at the very best they have to have been cancer free for at least 10 years. Breast cancer survivors have been on the wrong end of this information...
by Ed Hinerman | Mar 3, 2007 | cancer, Independent agent, insurance, insurance quotes, life insurance, prostate cancer, term insurance, Type 1 diabetes, Type 2 diabetes
I was recently speaking to a woman in Arizona and she made the comment that her husband would really like to have term life insurance, but he had been told that he was uninsurable. Being the nosy kind of guy I am, and knowing that she is a nurse and would have good...
by Ed Hinerman | Mar 3, 2007 | accelerated death benefit, Independent agent, insurance, insurance quotes, life insurance, term insurance
It’s all over financial news sources. And it’s true. Not often news and truth are in the same corner, but here you go. Due to updated mortality tables and good old competition, the rates, primarily in the healthiest rate classes have been coming steadily...
by Ed Hinerman | Mar 2, 2007 | children's life insurance, Independent agent, insurance, insurance quotes, life insurance, return of premium term insurance, term insurance
Life insurance on a good day is considered by many to be a necessary evil. On a bad day, just a waste of money. Consider the following on a young couple in Alabama, that had just received a quote for term insurance from, of all sources, an AFLAC agent. The wife and...
by Ed Hinerman | Mar 1, 2007 | Independent agent, insurance, insurance quotes, life insurance, term insurance, universal life, whole life
Ask a life insurance agent that has built his career convincing people that whole life insurance is everything you will ever need, about term insurance, and then cover your ears. You will still be able to hear them just fine. Their voice will have raised enough to...
by Ed Hinerman | Feb 27, 2007 | hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
Competitive life insurance quotes have long been elusive for people with type 1 or type 2 diabetes. Many life insurance companies are changing the way they view diabetes and recognizing that there is a substantial difference in the mortality experience between those...
by Ed Hinerman | Feb 27, 2007 | hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
From a life insurance standpoint type 1 and type 2 diabetics used to be thrown in the same underwriting bucket as people who had coronary artery disease or even some types of cancer. Life insurance quotes coming from major companies these days would point to two good...
by Ed Hinerman | Feb 25, 2007 | business life insurance, buy/sell life insurance, final expense life insurance, Independent agent, insurance, insurance quotes, key man insurance, life insurance, return of premium term insurance, term insurance, universal life, whole life
My mother never told me running a small business was easy. In fact it went something more like, “wouldn’t you be better off getting a real job?” Whether you are in business for yourself, or work for someone, your future can be in jeopardy if you, or...
by Ed Hinerman | Feb 24, 2007 | insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Type 1 diabetes, often call juvenile diabetes, has had a rough road with life insurance underwriters over the years. There has been a recent shift toward what is call “clinical underwriting” that has brought the type 1 diabetic issue into a fairer light....
by Ed Hinerman | Feb 24, 2007 | Independent agent, insurance, insurance quotes, life insurance, prostate cancer, PSA, term insurance, universal life, whole life
Prostate cancer is, if not the most common, certainly one of the most common kinds of cancer in men. I think I’ve heard it said that the majority of men who live a long life will have it at some point. The good news from a life insurance standpoint is that...
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