Ed Hinerman on Life insuranceEd Hinerman on Life insuranceEverything you need to know about life insurance Articles
Underwriting Life Insurance Is Simple….Sort Of!
2008-03-28 00:00:00 Oh, if only it were as simple as some people think. Determining mortality assumptions for the purposes of life insurance rates is, well, really, really complicated stuff. I was kicking around Google and came across an article with enough information to choke a horse on why us people die. Fortunately life insurance underwriters don’t have to ... More About: Life , Insurance , Life Insurance , Simple , Sort
Cancer And The Power Of Prayer!
2008-03-27 00:00:00 Hard to believe it’s been 15 months since my dad was diagnosed with a stage 3, grade 4 bladder cancer. When it breached the wall of his bladder and dispersed to other areas of his body, well, the medical prognosis just wasn’t that good. When, at age 85, even though he is a physically active and ... More About: Power , Cancer , Prayer
Does A Life Insurance Decline Put You Out Of The Game?
2008-03-27 00:00:00 Probably one of the most common misconceptions about life insurance and the application process has to do with how a decline from one company will impact another application. Clients often worry about the fact that virtually all life insurance applications ask whether you have been rated or declined for insurance before. It helps to understand that ... More About: Life , Insurance , Game , The Game , Life Insurance
Tough Times Are Exactly Why Life Insurance Should Be Budgeted!
2008-03-26 00:00:00 Life insurance shouldn’t be a luxury. Something that you can buy when times are good and can be dropped when things get tight. The need for life insurance, if anything, is more essential during bad economic times. Not that there is a good time to leave a family without income that is important to maintaining the ... More About: Life , Insurance , Life Insurance , Times , Tough
Group Life Insurance. Don?t Stake Your Life On It!
2008-03-26 00:00:00 I?ve talked to so many people that assume they are all set because their job offers a cheap group life insurance plan. I?ll be the first to say that if it?s inexpensive I think you ought to take advantage of it. What is a concern to me and should be to you, is putting all ... More About: Life , Insurance , Life Insurance , Group
Calling All Cigar Smokers!
2008-03-26 00:00:00 For all of you that have applied for life insurance and smoke cigars, and didn’t use the right company and agent, you’ve felt the sting of smoker rates. In general, cigarette smokers will spend 2-3 times what a non smoker will spend on life insurance given everything else being equal. I’ll try not to get on ... More About: Calling , Smokers
Obesity And Viagra, A Team Effort!!
2008-03-23 00:00:00 No one questions, at least with any sanity, that there is an epidemic of obesity in the world. And from obesity comes a myriad of other health issues that can ruin, if not end, a person’s life. So, I had this thought. Since it appears that either television networks are making billions off of Viagra commercials, ... More About: Obesity , Team
Wow! And You Think Your Doctor Has His Head Up His Rear!
2008-03-23 00:00:00 Medical mistakes kill and disfigure close to 100,000 people in this country every year. That’s why, no surprise, life insurance underwriters will almost always postpone approval on a policy until after any scheduled procedure. I remember finding it amusing when I had a broken leg operated on that they actually marked the leg prior to surgery ... More About: Head , Doctor , Rear
Life Insurance Success Continues With Bipolar Disorder!
2008-03-23 00:00:00 We have talked a lot about and frankly I am excited about the results we are getting for clients with bipolar disorder with their applications for life insurance. Where the need seems to be the greatest is among professionals and business people who need substantial amounts of life insurance and, until we were able to ... More About: Life , Insurance , Success , Life Insurance , Bipolar
Does Your Life Insurance Cover You At The Beijing Olympics?
2008-03-20 00:00:00 If you are planning a trip to the Olympics this summer, it’s time for a life insurance checkup to make sure you are covered for foreign travel, and if you are considering increasing coverage before you go, you need to apply now. Most life insurance you have in force will cover foreign travel as long as ... More About: Life , Insurance , Beijing , Beijing Olympics
Wake Up And Smell The Coffee!
2008-03-19 00:00:00 Getting by on less sleep is something of a badge of honor. I’ve heard people state and sometimes brag about the fact that they only need 4-5 hours of sleep a night. For all of those hardworking people who are holding down two jobs, or are single parents, a lack of sleep is just the ... More About: Coffee , Wake , Smell , Wake up
Safe Haven For Cigar Smokers!
2008-03-18 00:00:00 There are plenty of life insurance companies out there who will look the other way on cigar smoking as long as you are truly an “occasional” smoker. Each company has their take on what occasional means. For a few companies you need to save those cigars for true celebrations, and then only for a few a ... More About: Safe , Haven , Smokers
Impact Of Fasting On Cholesterol Tests!
2008-03-17 00:00:00 I have often had clients who had cholesterol tests come back well out of the normal range and blamed it on forgetting to fast, or in the case of a recent client, a nurse that called and said it would be better for her if she came that particular evening instead of the scheduled next ... More About: Tests , Fasting , Cholesterol
You Don’t Deserve It! You Know It! Quit Whining!
2008-03-17 00:00:00 Over the years I believe I have heard most, if not all, of the whining responses from people who, after an exam and a review of their medical records, didn’t get the best rate available on life insurance. Don’t get me wrong. I want those rates also. But hear me clearly, I don’t qualify for ... More About: Quit
Don’t Take No For An Answer!
2008-03-14 00:00:00 I’ve often discussed the fact that out of the nearly 2000 companies that purport to be in the life insurance business, there are only a handful, maybe 2% that are serious about working to get you the best deal. When you throw in health issues of any consequence that probably drops to 1%. The stock answer ... More About: Answer
PSA Not The Accurate Prostate Cancer Indicator It Was Thought To Be!
2008-03-14 00:00:00 The PSA, prostate specific antigen, test has been the standard for decades for determining the chances of a man having prostate cancer and the need for further diagnostic testing through a needle biopsy. The problem that has become apparent in the medical and life insurance world is that, in reality, an elevated PSA is actually not ... More About: Cancer , Prostate Cancer , Thought , Indicator , Prostate
Accelerated Death Benefit Rider For Dummies!
2008-03-12 00:00:00 Most life insurance policies issued in the past 5-10 years have a rider called the accelerated death benefit rider. It doesn’t cost anything and it allows the insured to receive, depending on the company, up to half of the death benefit (usually up to a limit like $500,000) if they are terminally ill. I’ve had clients ... More About: Dummies , Death , Benefit , Rider
Another Victory On Life Insurance For Bipolar!
2008-03-12 00:00:00 I know I’ve been beating this drum quite a bit, but the word needs to get out. Having bipolar disorder is not the frosting on a decline cake if you need life insurance. Can everyone qualify for good life insurance rates with bipolar? I won’t even tell you that everyone can be approved, but given ... More About: Victory , Life , Insurance , Life Insurance , Bipolar
Ultra Fast CT Scan Rears It’s Head Again!
2008-03-11 00:00:00 I’ve written posts on the subject of the “revolutionary” ultra fast CT scan, the snap shot of the heart that would finally put an end to invasive diagnosis methods such as cathaterization. In those posts you may remember that the problem was that the reports were only marginally accepted in the medical community and that ... More About: Ultra , Fast , Head , Scan
Even At Older Ages, Is That 10 Year Term The Right Choice?
2008-03-09 00:00:00 Often when a person gets into their 70’s, life insurance choices have to be studied more carefully. In most cases there is only one term option left, the 10 year term insurance. If that doesn’t work for you, the only other practical option is a universal life with a no lapse guarantee, a cashless permanent ... More About: Choice , Year , Term , Ages
Let The Games Begin!
2008-03-08 00:00:00 However the elections shake out, congress and the new president will be dealing with the estate tax issue over the next year. Already a myriad of options have been thrown into the hopper. Amost no one and none of the proposals point to the elimination of the federal estate tax. The good news in all of ... More About: Games
Just Another Reason You Might Need Life Insurance!
2008-03-08 00:00:00 You and the family go out for a drive. Do you really know what will happen? Bottom line. Sometimes our days, our lives, don’t turn out the way we plan! More About: Life , Insurance , Life Insurance , Reason
I’ve Beat This Drum Before…..Whole Life Stinks!
2008-03-08 00:00:00 I’ve heard every possible pitch as to why whole life insurance is a good idea. Did you know that we might not have Disney World if it weren’t for whole life insurance? I’ve said so many times that whole life insurance used to be the only way to have permanent insurance. Today it is the WORST ... More About: Life , Drum , Beat
10 Tips For Making The Right Life Insurance Decisions!
2008-03-06 00:00:00 I was asked by my pastor to offer my thoughts on life insurance to the people attending the Dave Ramsey Financial Peace University seminar at our church. Anyone who’s read my blogs knows that I am huge on leaving money in people’s pockets. Dave Ramsey is all about using any extra money to pay off ... More About: Life , Insurance , Tips , Life Insurance , Decisions
Diabetes Underwriting Still Favors Diabetic Life Insurance Customers!
2008-03-06 00:00:00 There’s really never been bad news when it comes to life insurance underwriting of type 2 diabetes. Would people with diabetes like to pay less for life insurance? Of course they would, which puts them in the same boat with all of us who don’t have diabetes. Are they paying too much? You know, I would ... More About: Life , Insurance , Customers , Life Insurance , Diabetes
New AIG International Travel Insurance Fills A Gap!
2008-03-06 00:00:00 You may have seen it advertised in magazines and on television. $1,000,000 accidental death travel insurance. It’s quick and easy and it is a guaranteed issue product. It’s very affordable. It’s not the answer for all of those who are taking jobs in war zones as “acts of war” is one of the few exclusions. It ... More About: International , Travel , Insurance , Travel Insurance
Is The All In One Insurance Agent The Way To Go?
2008-03-06 00:00:00 I understand comfort zones, local allegiance, friends who sell insurance and all of that, but is having all of your insurance needs handled by one person a prudent idea? I have my auto and homeowner’s insurance with a local Farmer’s Insurance agent. A great guy, Tim has always been there with the expertise and frankly the ... More About: Agent
Prostate Cancer Still Getting Good News From Life Insurers!
2008-02-29 00:00:00 I’ve been told that all guys will get prostate cancer to some degree if they live to a moderately old age. The good news that, for many, it will have little or no impact on their lives or their mortality. Prostate cancer that is slow growing, that is to say a low stage and grade, is ... More About: News , Life , Cancer , Good News , Prostate Cancer
Clever Lawyers Don’t Impress Life Insurance Underwriters!
2008-02-28 00:00:00 When is DUI not a DUI? Trick question? Well, of course it is. The answer is never even if your attorney was able to plea bargain your DUI by having you plead no contest to DWS, driving while stupid. Clients will, and honestly in their mind, answer no to the question of having been charged with ... More About: Life , Insurance , Lawyers , Life Insurance , Clever
Five Criteria For Affordable Life Insurance If You Have Bipolar Disorder!
More articles from this author:2008-02-27 00:00:00 Let me just reiterate from previous posts that if you have bipolar disorder, you can expect for almost all life insurance companies to decline you. They don’t care to what degree the disorder impacts your life. They put the completely functional CEO of a company in the same boat as the person who is on ... More About: Life , Insurance , Life Insurance , Bipolar , Bipolar Disorder 1, 2, 3, 4, 5, 6, 7 |
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