by Ed Hinerman | Dec 27, 2007 | insurance, life insurance
Guys, guys, guys, guys, guys! If we don’t pull it together soon, or cull out the stupid ones, women are going to start showing us what life insurance is really for. I swear not a week goes by that I don’t have a conversation with a husband in which they...
by Ed Hinerman | Dec 15, 2007 | insurance, life insurance, term insurance
I recognize as well as anyone just how hard it is to let go of a good deal. There is that human trait that drives us to focus on the bird in the hand and try not to think about the future. The bird in the hand, that low life insurance rate you are paying right now,...
by Ed Hinerman | Dec 6, 2007 | insurance, life insurance, universal life, whole life
It used to. It wasn’t that long ago, 30 years or so, when the only way a person could have permanent life insurance was with a whole life policy. Whole life is a cash value policy that was defined as having a level premium to age 100 with a cash value that...
by Ed Hinerman | Nov 29, 2007 | cancer, diabetes, life insurance, obesity, prostate cancer
It is a statistical fact, and certainly no secret, that African American men continue to take more of a beating from prostate cancer than men from any other ethnic background in this country. They are more likely to get prostate cancer. They are less likely to detect...
by Ed Hinerman | Nov 27, 2007 | diabetes, insurance, life insurance
There are days when you think things just can’t get any more ridiculous. That would not be in the world of advocacy groups. Webster defines advocate as “one that supports or promotes the interests of another”. Today one advocacy group advocated...
by Ed Hinerman | Oct 29, 2007 | Anxiety, insurance, life insurance, obesity
We talk all the time about how losing control of one part of your health inevitably has a compounding effect on other areas of your health. Stress, or anxiety, is certainly not an exception to that rule. In a recent post we talked about how some amount of stress,...
by Ed Hinerman | Oct 18, 2007 | insurance, life insurance
What if your neighbor, who doesn’t like you at all, could take out life insurance on you without your knowledge or consent? What if you are in your 70’s or 80’s and your child or caregiver could take out life insurance on you without you being a...
by Ed Hinerman | Sep 14, 2007 | Fat March, insurance, life insurance, obesity
Completing my interview of Will Millender, my hope is that his thoughts on obesity and it’s impact on life will help foster further discussion about the problem and how life insurance underwriters view it. Question: We met through a blog about life insurance and...
by Ed Hinerman | Sep 11, 2007 | cancer, heart attack, insurance, life insurance, prostate cancer, term insurance, universal life
We have been gutting term life insurance this week starting with a look at an actual policy. Being a contract as it is, there are plenty of definitions and clauses and options and such. So my previous posts didn’t get too hefty, I picked out a few items to...
by Ed Hinerman | Sep 11, 2007 | diabetes, Fat March, heart disease, insurance, life insurance, obesity
The ABC reality weight loss show, Fat March, concluded last night with the remaining 6 participants completing a 575 mile walk from Boston to Washington, DC. Plenty of pounds were shed. Plenty of sore knees to show for it. I have followed Fat March strictly from a...
by Ed Hinerman | Sep 7, 2007 | business life insurance, insurance, life insurance, return of premium term insurance
In a post a few days ago I talked about the fact that women in business have several reasons to consider life insurance. On a site called Women’s Initiative , they presented a list from an article in the Birmingham Business Journal, of statistics about women in...
by Ed Hinerman | Sep 7, 2007 | Alcohol Treatment Life Insurance, heart disease, insurance, life insurance
I mentioned in a post the other day that one of my shortcomings is I have a very generalized philosophy that if a little bit of something is good for me, a lot of it should be great for me. If, whatever it is, can be used in monstrous quantities, who’s to say I...
by Ed Hinerman | Sep 5, 2007 | bipolar disorder, Independent agent, insurance, life insurance
I’m seeing this headline in the New York Times that is talking about a “40 fold” increase in the diagnosis of children with bipolar disorder in the period between 1994 and 2003. We’re not talking about a 40% increase. The article is saying that...
by Ed Hinerman | Sep 4, 2007 | cancer, diabetes, Fat March, heart disease, insurance, life insurance
As the Fat March participants near the end of their 570 mile quest for weight loss, pounds continue to disappear and once again we will analyze the weight loss in the context of what impact it would have on life insurance rates. A couple of notes on participants that...
by Ed Hinerman | Sep 4, 2007 | insurance, life insurance, return of premium term insurance, women
The carefree life of the young and single! Been there and done that, and I don’t believe I was the odd person out when I failed to plan for the future. My assumption was that if things changed I would deal with it as it came up. That included any thoughts about...
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