by Ed Hinerman | Aug 13, 2011 | coronary artery disease (CAD), heart disease, insurance, life insurance
It’s been years since I’ve run head long into an ultra fast CT scan that just simply defies all logic. Ultra fast CT scans are used to stop the heart mid beat so the chambers and arteries can be looked at in detail. It has been touted as the answer to non...
by Ed Hinerman | Aug 11, 2011 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
What a summer, huh? I heard on the news the other day that somewhere in Oklahoma had set a new all time record high for any state over a full month. We’re talking hotter than Arizona!! I’m pretty blessed to live at 7000′ in Colorado where yesterday...
by Ed Hinerman | Aug 9, 2011 | insurance, life insurance, mortality, mortality risk, term insurance, whole life
The 70% savings lure in life insurance advertising is probably been so used that it is a brand by itself. Never mind the companies the promote it, who wouldn’t want to save 70% over what they are currently paying for a comparable life insurance product. So, the...
by Ed Hinerman | Aug 8, 2011 | Anxiety, Attention Deficit Disorder, Depression, insurance, life insurance
When i see how some life insurance underwriters treat clients with generalized anxiety, often offering standard rate or worse approvals, I wonder if they’re living in the same country as the rest of us. USA could easily stand for the United States of Anxiety...
by Ed Hinerman | Aug 5, 2011 | insurance, life insurance, professional athlete life insurance
There is a mistaken belief that people that have really great incomes, like professional athletes, don’t really need life insurance. The assumption is you have a large income you probably have it managed so that your family would be taken care of if you died...
by Ed Hinerman | Aug 3, 2011 | cholesterol, HDL, insurance, life insurance
Just when you have everything comfortably figured out some scientist or doctor or study throws a curve ball at you. Cholesterol was something we all finally got. We knew that if our cholesterol was 200 or under and our LDL, HDL and triglycerides were in the...
by Ed Hinerman | Aug 1, 2011 | business life insurance, insurance, life insurance, over 50 life insurance
For a lot of people reaching the big FIVE O, is a moment to ponder. “Ok. I’m halfway to 100. Most people I know who are a hundred are dead.” Maybe being over 50 life insurance should start flashing on the radar. Little blips saying “you...
by Ed Hinerman | Jul 27, 2011 | AARP, final expense life insurance, insurance, life insurance, no exam
I know that you know that I seem to have a real case of the can’t shut ups when it comes to the New York Life / AARP life insurance program, but AARP is so in the face of our country and especially the elderly among us, well, it’s become kind of personal....
by Ed Hinerman | Jul 26, 2011 | insurance, life insurance, smoking
As independent life insurance agents there is a kind of longing for the good old days when US Financial offered non smoking rates to social smokers and when CNA would issue a policy to a smoker at non smoking rates, with the caveat that they had to quit smoking within...
by Ed Hinerman | Jul 26, 2011 | bait and switch, cancer, heart disease, Independent agent, insurance, life insurance
I am left shaking my head occasionally when I hear a client say that my quote is much higher than some other quote they have received. Since I shop virtually every case I quote I am confident when I send out quotes, well, they are as good as it is going to be after...
by Ed Hinerman | Jul 21, 2011 | accidental death, bait and switch, insurance, life insurance
I have written a lot in the past year about the availability of a very fairly priced AD&D product from a company that covers everything from simple AD&D to war risk for civilian contractors working in Afghanistan. The company that offers the coverage is...
by Ed Hinerman | Jul 15, 2011 | AARP, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
The life insurance industry, at least the final expense life insurance industry would certainly love for you to believe that over 50 life insurance is a minefield with disaster written all over it. Suddenly you must be perceived as a greater life insurance risk as the...
by Ed Hinerman | Jul 12, 2011 | heart attack, insurance, life insurance
The internet has come a long way and is an amazing research tool. It is not uncommon for people to make major medical treatment decisions based on their own research even when it runs counter to their doctor’s recommendation. It has to drive doctors nuts and I...
by Ed Hinerman | Jul 7, 2011 | cancer, insurance, life insurance, suicide clause
Ah, the fine print. Somewhere in that life insurance policy must be something written so small and obscurely that it can never be found by a mere human that excludes my family from being paid no matter how I die. All I am doing is paying money to an insurance company...
by Ed Hinerman | Jul 6, 2011 | accelerated death benefit, conversion, insurance, life insurance
A few days ago I was on a bit of a rip over the subjects of conversion privileges and how far too many companies are changing products offered to non guaranteed UL’s, rather than permanent products. The answer lies somewhere in a slight of hand the companies are...
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