Ed Hinerman on Life insuranceEd Hinerman on Life insuranceEverything you need to know about life insurance Articles
Bummer! Tennis Doesn’t Count As Exercise!
2007-12-27 00:00:00 The last time I played tennis I remember it being a significant workout. That was especially true because I was on the losing end of the game, meaning I ran twice as far and hard as the person who knew how to play. Bad news for those attempting to replace your daily recommended exercise with ... More About: Tennis , Exercise , Count , Bummer
Declined For Life Insurance? Consider This!
2007-12-26 00:00:00 There are nearly 2000 companies in the US that purport to be life insurance companies. When you work your way through all of the “sort of’s” and “wanna be’s”, and get down to those companies that are serious about the products they offer and their approach to underwriting, the field narrows to maybe 50, at ... More About: Life , Insurance , Life Insurance
Merry Christmas And Happy New Year Heart Attacks!
2007-12-25 00:00:00 During this time of year when the focus should be all about family, fun and the joy of having survived another one (year that is), there looms an annual health challenge that can ruin all the plans and hopes of the season. The Christmas /New Year ’s season is also the peak of heart attack season. It’s been ... More About: Heart , Happy , Happy New Year
Bipolar Disorder Is Not An Automatic Decline!
2007-12-25 00:00:00 Since studying and becoming more active in the life insurance needs of people with mood disorders, it has become apparent that many life insurance agents and companies have a knee jerk reaction to anyone with bipolar disorder. And those knees aren’t jerking in favor of the clients. I would not be blowing things out of proportion ... More About: Automatic , Bipolar , Bipolar Disorder
Rethinking BMI Criteria For Gastric Bypass Surgery!!
2007-12-22 00:00:00 Bariatric surgery, such as gastric bypass, has usually been reserved for people who would qualify based on body mass index as morbidly obese. A body mass index of 40 or more qualifies as morbidly obese. Newer thinking is leaning toward broadening the criteria. While a BMI of 40 or more is certainly one criteria that should ... More About: Gastric Bypass , Surgery , Criteria , Urge
Adam Aviation Nears Milestone FAA Approval!
2007-12-22 00:00:00 I follow Adam Aircraft with particular interest because their planes are built not too far from here in Colorado and also because George Adam is a life insurance client of mine from a time when we had to fight the insurance companies to accept him at preferred rates even though his, at the time A500, ... More About: Aviation , Milestone
Major News On Breast Cancer!
2007-12-20 00:00:00 DCIS (ductal carcinoma in situ) is a form of breast cancer that very rarely progresses to the point where it invades any neighboring tissue or spreads to other parts of the body. DCIS is never life threatening. In fact it is considered to be a precancerous condition. The most common treatment for DCIS is lumpectomy. In ... More About: News , Cancer , Breast Cancer , Breast , Major
Early Detection! Early Detection! Early Detection!
2007-12-20 00:00:00 There’s that saying about beating a dead horse. Some days I wonder if the saying came about before me or because of me. Early detection of cancer is so critical to a good outcome, that I will continue to beat the horse, even though it’s dead, in hopes that a few people will get it and ... More About: Detection
Is This Really Private Aviation?
2007-12-19 00:00:00 A little more than 6 years after 9/11, private pilots can once again land at Reagan Washington National airport…………sort of. The first landing since private aviation was banned into the airport happened today. The pilot was treated to a free wash for his plane as he taxied between two fire trucks that were creating a water ... More About: Aviation , Private
Bariatric Surgery Shown To Increase Lifespan!
2007-12-19 00:00:00 There are times when diet and exercise just never seem to accomplish what’s needed. There are times when morbid obesity becomes life threatening and a radical approach to control the situation is needed. Bariatric surgery, mostly commonly gastric bypass or lap band surgery, is that radical last choice. When things have gotten so out of control ... More About: Surgery , Bariatric Surgery , Urge
Suze Orman Under Attack Again!
2007-12-19 00:00:00 My recent post about Suze Orman’s lack of life insurance knowledge struck a chord with another life insurance professional, Jack Bobo. While I disagree with the premise of his article “The Tired Tirade Continues” in National Underwriter Magazine, it was refreshing to hear someone other than me with a long history in the business, taking ... More About: Attack , Atta
Bankers Life Of New York Hits The Ground Running With Indexed Universal Lif
2007-12-19 00:00:00 In a post not long ago I mentioned that New York was poised to approve the sale of indexed universal life, a form of universal life that uses market indexes to determine actual cash value above the guarantee. Well, they’re off to the races. I ran a spreadsheet for both indexed universal life and second to ... More About: Life , Running , Ground
Does Your Life Insurance Agent Need To Be Local?
2007-12-16 00:00:00 30% of Christmas shopping this year will be done on line with no contact with another human at all. At least when you use an independent life insurance agent that is licensed in all the states, even though they aren’t down the block, the agent is human. If they are a good agent, they will very ... More About: Life , Agent , Insurance , Local , Life Insurance
The Cost Of Waiting!
2007-12-16 00:00:00 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 ... More About: Cost , Waiting
Prudential Is The Cigar Officionado!!
2007-12-14 00:00:00 It is a rare thing in the life insurance industry when there is only one company that takes a stance completely contrary to all of the other companies. Prudential is just that bold. For as long as there has been life insurance and cigarettes, there has been testing to determine if you have nicotine in your ...
Before You Light That Next Cigarette!!
2007-12-14 00:00:00 There isn’t much hiding the fact that cigarette smoking isn’t a healthy lifestyle choice. Life insurance underwriters treat smoking the way they do for very solid reasons. It causes cancer. Cancers it doesn’t cause, it makes worse. It’s linked to heart disease. Now a massive study that involved 1.2 million people shows that people who smoke ... More About: Light , Cigarette
Big Break For Private Pilots Needing Permanent Life Insurance!
2007-12-13 00:00:00 There has been a lot of jockeying over the past few years in who can make the best offer on life insurance for pilots. Generally the discussion has been around term insurance. When American General backed out of the aviation market, they took with them virtually the only preferred plus underwriting for private pilots. And with ... More About: Life , Insurance , Pilots , Break , Life Insurance
If You Thought The Term Wars Were Good For Consumers!!
2007-12-13 00:00:00 For the past ten years term insurance prices have been pretty steadily declining. A combination of competition, product selection and mortality experience improvement has driven term rates to an all time low. Now the front has shifted to the universal life insurance market. With the advent of the no lapse guarantee UL several years ago, the ... More About: Wars , Thought , Good , Consumers , Term
Is There A Point When Life Insurance Isn’t An Answer Any Longer?
2007-12-12 00:00:00 I get calls from children and grandchildren on a fairly frequent basis asking about getting a policy to help with the final expenses of their relative. There seems to be a tendency to start thinking about that when it becomes obvious that mom or dad isn’t going to live a whole lot longer. Even with new ... More About: Life , Insurance , Answer , Life Insurance , Point
Type 2 Diabetes Link To Colorectal Cancer!!
2007-12-11 00:00:00 I become more amazed each day with the way diseases are linked to each. We’ve talked many times about obesity and the link to diabetes, heart disease and cancer. And we’ve talked about the link between diabetes and heart disease in the absence of obesity. Today brings a new, very serious link between diabetes and colorectal ... More About: Cancer , Link , Diabetes , Type , Colorectal Cancer
There’s Free Life Insurance And Then There’s Free Life Insuranc
2007-12-11 00:00:00 I’ve talked in the past about a product called return of premium term insurance. It is often touted as “free life insurance”, because if you outlive the term insurance you get a refund of all the premiums paid in. A little more comprehensive take is in the attached Forbe’s article on the subject. forbes-return-of-premium.pdf That is not ... More About: Life , Insurance , Free , Life Insurance , Then
A Fast Way To Avoid Heart Disease!
2007-12-11 00:00:00 OK. So there’s really no easy way out, but it seems that fasting once a month may have some never before discovered health benefits. This surfaced when a study in Utah showed that Mormons had a lower incidence of heart disease. At first this was attributed to the lower rate of smoking in the Mormon community, ... More About: Heart , Disease , Fast , Heart Disease , Avoid
Don’t Get Mad, Just Get Even!
2007-12-09 00:00:00 Even tempered that is! In case you haven’t been out of your house in the last 10 years, it is an increasingly angry society that we live in. That is one of the primary reasons I live in a small town. People are a little more laid back and things like road rage are really ...
Who Are These Pigs?
2007-12-09 00:00:00 It never ceases to amaze me that men, men who are husbands, fathers or businessmen, seem to think that life insurance is a waste of money. What ever happened to the idea that responsbility comes with marriage, parenthood and business ownership? I try to block these things out, but here are just a few of the ... More About: Pigs
The Adults Of Tomorrow Are In Serious Trouble!!
2007-12-09 00:00:00 We have discussed on numerous occasions the rapid increase of obesity in teenagers and the impact that has had on the increase of teenage and young adult type 2 diabetes. It is not a pretty picture that is being painted. Now, the New England Journal of Medicine, has presented a study that paints a grim picture ... More About: Tomorrow , Morrow , Tomo
Under Educated Diabetics, Read My Lips!!
2007-12-09 00:00:00 Whether you have type 1 diabetes or type 2 diabetes, there is a piece of information you should already know that is crucial in finding the best life insurance rates. If you do not know what your hbA1c, your hemoglobin A1c is, call your doctor and get it. While you have that doctor on the phone, ... More About: Read , Lips
Type II Diabetes Underwriting Overview!
2007-12-08 00:00:00 It’s been some time since I’ve just given a diabetes underwriting 101 overview. Some companies have changed stances, but overall the market remains somewhat consistent. Underwriters look at type 2 diabetes from several directions. Age of onset is a fairly critical issue. The reason they closely scrutinize the age of onset is that the longer a ... More About: Diabetes , Type , Overview
The Power Of Prayer!
2007-12-07 00:00:00 I shared some time ago that my dad had been diagnosed with bladder cancer. By the time they determined what was going on it was a grade 4, stage 3 cancer and had soon penetrated the bladder wall and moved elsewhere in his body. It was, from a oncologist’s point of view, as bad as ... More About: Power , Prayer
Does Cash Value Life Insurance Really Make Sense?
2007-12-07 00:00:00 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 equaled the death benefit ... More About: Life , Sense , Insurance , Life Insurance , Make
Is Ultrasound A Viable Option For Prostate Cancer Therapy?
More articles from this author:2007-12-06 00:00:00 With localized prostate cancer the treatments of choice have generally been radioactive beam, radiactive seed or prostatectomy. All are very effective in stopping a low stage cancer. Effectiveness comes with side effects though. Incontinence and impotency are the most common side effects of all three treatments. There is a newer treatment called high intensity focused ultrasound ... More About: Cancer , Prostate Cancer , Therapy , Prostate , Prost 1, 2, 3, 4, 5, 6, 7 |
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