Ed Hinerman on Life insurance

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Articles: 1, 2, 3, 4, 5, 6, 7

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

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

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

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

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 ...

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

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

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

Weight Loss Doesn’t Always Produce Cholesterol Control!
2007-12-06 00:00:00
Well, it’s almost a hard and fast rule. In most overweight people, weight loss will lead to lower lipid levels and a healthier balance between total cholesterol and HDL, good cholesterol. Almost! Anyone who follows the whole cholesterol issue, or for that matter watches television and sees cholesterol lowering drug commercials, knows that part of the ...
More About: Weight Loss , Weight , Loss , Control , Cholesterol

Is Ultrasound A Viable Option For Prostate Cancer Therapy?
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

Step Back From That Avandia Bottle!
2007-12-04 00:00:00
After the FDA recently took rather extreme action by forcing Avandia to boldly mark it’s bottles with warnings that the drug can cause heart attacks, Avandia took another hit. It seems that some studies had shown an increased incidence of broken bones among women who used Avandia. Newer studies have isolated the reason. “The drug, say ...
More About: Back , Step , Bottle

It Must Be Altitude Sickness!
2007-12-04 00:00:00
I really think there must be some confusion. Men’s Health has decided that Denver and Colorado Springs, Colorado’s two largest cities, are respectively the number one and number three drunkest cities in the country. Ouch!! Right up front I want you to understand that I am a Colorado patriot of sorts, except for the Broncos. I’m ...
More About: Sickness

Should Smoking Affect Your Life Insurance Rates?
2007-12-04 00:00:00
Well, let’s start out with the clear and simple truth. Smoking does impact your life insurance rates and not by just a little bit. Should it? We’ve talked at length about the problems with smoking and the myriad of health issues it causes or makes worse. From the obvious like lung cancer and COPD, to obscure ...
More About: Life , Insurance , Life Insurance , Rates

This Is Not A Stroke Of Genius!
2007-12-03 00:00:00
The leading cause of stroke is out of control high blood pressure. More than 72 million people in America have high blood pressure and more than 70% of those do not have what could be called well controlled hypertension. In my life insurance dealings with those who have high blood pressure, it appears that the leading ...
More About: Stroke , Genius

Let’s just be candid!
2007-12-03 00:00:00
It always seems to come in streaks. Lies. Half truths. Whatever you want to call them, they get in the way of an agent doing the best, most professional job. We always go through a list of health questions before we offer quotes. These questions are broad intentionally. They start with “Have you ever been told ...

PSA Testing. Should You Do It Regularly?
2007-12-03 00:00:00
PSA (Prostate Specific Antigen) tests have long been the standard test for determining BPH (enlarged prostate), Prostatitis (infection of the prostate) and prostate cancer. There are two events that are watched for. The event that far too many people experience is when they are not being tested on at least an annual basis and when ...
More About: Testing

Let’s Talk About Your Lifestyle!
2007-12-02 01:07:00
If everyone followed all of the advice of all of the experts on healthy lifestyle, we would soon find out if being boring increases your mortality risk. For most of us, it just comes down to doing the best we can. We’ve talk about how to eat and how not to eat. We’ve talked about the effect of obesity on diabetes and high blood pressure. We’ve talked about how to offset some of the bad news with a prudent exercise regimen. One we haven’t touched on that I can remember is the American tendency to work too hard and sleep too little. A Columbia university study has found a connection between sleep deprivation and diabetes exhibited in increased insulin resistance and decreased glucose tolerance. This is not a health anomaly. Insufficient sleep has also been shown to have a negative impact on weight control and blood pressure. On average adults should get 7-8 hours of sleep per night. I know in my case it’s a good night when I can get 7 and a home run if I...
More About: Lifestyle , Talk

Confusing For You? Confusing For Your Life Insurance Agent!
2007-11-30 15:09:00
Prices are dropping! Save 60% to 70% on term life insurance! We’ve all read the articles and seen the advertisements. We would all like a piece of that less expensive pie to protect our families. But, is it real? Does the agent you are talking to really know how to find those rates? Does your agent really want to find those rates? Reading an industry magazine, a colorful advertisement caught my eye with the statement “Seize a new opportunity with Life first - the powerful new term product from Foresters”. It presented a comparison with five other companies showing just how great their pricing is. Using a male age 45, best health class, purchasing $600,000 of 20 year term, it stacked up like this. Foresters was $855 annually. Shanendoah was $978, Old Mutual $1236, Americo $1338 and Chesapeake $1396. Clearly Foresters is a force to be reckoned with, right? While this ad was designed to attract agents to sell Foresters, and it will, the same information will go out to ...
More About: Agent , Insurance , Life Insurance , Gent

New Mammography Technology Yields Better Results!
2007-11-30 00:00:00
New technology called stereoscopic digital mammography is proving to be dramatically more accurate than standard digital mammography. Initial testing has shown a decrease in false positive findings of almost 50% with the new technology and it reduced the incidence of missed lesions by 40%. This is huge. Eliminating false positives will reduce dramatically the need for ...
More About: Technology , Results , MMOG