by Ed Hinerman | Apr 16, 2009 | cancer, heart attack, private pilots, term insurance
All right guys, you can take a break. I already know how most of you feel about life insurance. If it’s free you’ll take some but if it gets into your beer or bass boat money, well, a guy has to have his priorities, right? Ladies, in general men have two...
by Ed Hinerman | Mar 31, 2009 | cancer, foreign travel, Independent agent, insurance, life insurance, private pilots, scuba diving, skydiving, smoking, student pilot
I finally got my wife to look the other way while I jumped out of an airplane for my 54th birthday. She’s always so nice about asking me what I want for my birthday, and for the past 5 years I hadgreat present. She steadfastly refused, not wanting to be a party...
by Ed Hinerman | Mar 24, 2009 | AARP, diabetes, insurance, life insurance, private pilots, Type 1 diabetes, Type 2 diabetes
The ADA continues to strike me as an incomplete advocate. Just try to find information on what it takes to get affordable life insurance if you have diabetes. Unbelievable! I called them this morning and then sent the following email in an attempt to break through to...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Feb 25, 2009 | blood pressure, diabetes, high blood pressure, insurance, life insurance, private pilots
Most of the private pilots in the US have had some experience with the effect their hobby or avocation has on their life insurance rates. Insurance companies generally don’t look favorably on private aviation and the insurance quotes that most companies and...
by Ed Hinerman | Feb 17, 2009 | basal cell carcinoma, blood pressure, cancer, cholesterol, diabetes, DUI, insurance, life insurance, private pilots, scuba diving, skydiving, smoking
I’m often asked, after the fact, what it takes to get the best life insurance rates. While I would be hard pressed to cover everything that could be hiding in your medical records, I can provide a general rundown based on the exam, labs, family and personal...
by Ed Hinerman | Jan 15, 2009 | cancer, pilot, private pilots, stroke, student pilot, term insurance
One in six men who reach age 26 in our country will not make it to age 64. For women it is one in nine. I live in a small town in the “Heart of the Rockies”, Salida, Colorado. Around here when someone passes away, everyone knows it. When someone passes...
by Ed Hinerman | Jan 12, 2009 | Depression, diabetes, Independent agent, insurance, life insurance, private pilots
Shopping for life insurance is no big trick if you’re healthy, young and boring. This is the one area where the giant on line agencies may actually provide good service. Anything more complicated than young, healthy and boring is definitely where the services of...
by Ed Hinerman | Oct 14, 2008 | blood pressure, cholesterol, Depression, diabetes, heart attack, Independent agent, insurance, life insurance, long term care, private pilots, stroke
You know the rates I’m talking about. You see them advertised everywhere and it makes it seem as though life insurance is almost free, simply there for the picking. In the industry those rates are called things like preferred plus, preferred elite, select...
by Ed Hinerman | Jul 29, 2008 | insurance, life insurance, private pilots
Oshkosh is wall to wall private pilots this week. It’s a week long fest of vintage planes, shows, and even the much anticipated Martin Jetpack kicking things off with it’s first public flight. Life insurance will be well represented I’m sure, but...
by Ed Hinerman | Jul 16, 2008 | insurance, life insurance, private pilots
A question that comes up fairly frequently is whether a person who takes up a new hobby, not knitting, but something more daring like flying, skydiving or the like, needs to take out a new life insurance policy in order to be covered. This is a fair and prudent...
by Ed Hinerman | Jul 3, 2008 | cholesterol, insurance, life insurance, private pilots, smoking
It is a common belief that a life insurance agent’s offer of an annual review of your policy is nothing more than a ploy to try to get you to buy more insurance. I know from experience with my own clients that many are so sales phobic that their honest belief is...
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 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 1, 2008 | heart attack, insurance, life insurance, private pilots, stroke
I was having a discussion with a private pilot concerning life insurance one day. This particular pilot had been a client for some time and a few year earlier had suffered something akin to a stroke. The FAA had pulled his license after the incident. He was calling to...
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