by Ed Hinerman | Feb 17, 2009 | Independent agent, insurance, life insurance, mortality, mortality risk, smoking
For those that don’t smoke there is a virtual log jam of companies scrapping it out for those who qualify for the best rate classes. Not so if smoking is part of your portfolio. For those who smoke it is imperative that you use an agent that has access to all of...
by Ed Hinerman | Feb 15, 2009 | insurance, life insurance, mortality, mortality risk, prayer, term insurance
I’m always talking about others and their trials and tribulations in quest of the best life insurance rates they can find. For a change of pace I thought I would take you along on my own life insurance application adventure. I have two term insurance policies...
by Ed Hinerman | Feb 4, 2009 | bipolar, bipolar disorder, diabetes, insurance, life insurance, mortality, mortality risk
Actually rather than the best change, I think the word clarification is more precise. Sometimes it truly isn’t who you know, but what you know about what underwriters need to see. Case in point is bipolar disorder. Two years ago I didn’t have a clue about...
by Ed Hinerman | Jan 27, 2009 | cancer, heart attack, insurance, life insurance, mortality risk
I rant. I rave. I scream from the rafters. The point I keep making about people’s mortality hit home again for me over the weekend when a 51 year old friend of mine died suddenly at home. Danny was just too young to die. He was too active to die. When I was...
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