Ed Hinerman on Life insuranceEd Hinerman on Life insuranceEverything you need to know about life insurance Articles
Estate Tax Burden Easing?
2007-11-30 00:00:00 Currently the federal estate tax exemption, the amount of an estate that can pass on to a family without being taxed (at the federal level), is $2,000,000. This is up from an estate gobbling $600,000 just 7 years ago. Remember that a persons entire estate can pass tax free to their spouse, no matter how large ... More About: Estate , Estate tax
Estate Tax Repeal ? Will It Really Happen?
2007-11-30 00:00:00 A recent senate finance committee meeting was convened to hear both sides of the argument on the 2010 repeal of estate taxes. As I have pointed out in previous posts, the estate tax has been modified over the past 7 years to make it less of a burden on medium sized estates. In 2009, the size ... More About: Estate , Repeal , Estate tax
Pack Your Parts And Move To The Country!!
2007-11-30 00:00:00 Being a longtime small town dweller, it is my personal belief that just driving through a large city can be dangerous to your health. There is the obvious risk that goes with driving along with a bazillion other cars, but just the stress and anxiety that goes with having to work your life around the ... More About: Country , Move , Parts , Pack
Advocacy Feeds On Itself!!
2007-11-30 00:00:00 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 another advocacy group knowing full well that neither of them are ... More About: Advocacy
Prostate Cancer Science Marches On!
2007-11-30 00:00:00 The Prostate Cancer Foundation has an annual scientific retreat where the top research scientists get together and review and summarize the major breakthroughs of the year. The Foundation provided a summary this week that, thank you, offered the summaries in language that would excite a scientist, and a separate summary that helps us normal folks ... More About: Science , Prostate Cancer , Marches
Obesity Breeds Denial!!
2007-11-30 00:00:00 In case no one has noticed, I occasionally offer my opinion, my take on a real life issue. The truth is that about 5% of overweight people that inquire about life insurance actually buy it. Most will never return a call after they have seen the quotes that their build generates. They don’t want to deal ... More About: Obesity , Breeds , Denial , Breed
Please Don’t Shoot The Messenger!
2007-11-30 00:00:00 I know at times it seems that my agenda is more focused on obesity than helping people who are overweight find affordable life insurance. My goal has always been to help people with weight issues become educated on how life insurance underwriters look at obesity which is directly linked to how obesity effects health. I think ... More About: Messenger , The Messenger , Shoot , Mess
The African American Dilemna With Prostate Cancer!
2007-11-30 00:00:00 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 it early and they are more likely to ... More About: Cancer , Prostate Cancer , African American
Who Says Curves For Women Doesn’t Work?
2007-11-30 00:00:00 I bet you thought you would never see the day when I had good news to report on obesity in America. Having harped on how America’s obesity has steadily increased for the last 25 years, how it is changing the health and lives of the country through diabetes, cancer and heart disease……finally some good news. Our ... More About: Women , For Women , Work , Curves
Stand Up For Your Right To Be Healthy!!
2007-11-21 00:00:00 The beat to death mantra of needing to get out and exercise 30 minutes at least 5 days a week to prevent our demise due to sedentary life styles is accurate, but without much effort we can do a lot more. Consider this in our battle with obesity, heart disease and diabetes. Think small now. Instead ... More About: Healthy , Stand Up , Stand , Stand-Up , Heal
Don’t Be A Victim Of Hemodilution!!
2007-11-21 00:00:00 No need to cringe. I’m not about to go on another tear about obesity……but I did run across a rather interesting phenomenom in an article today. The premise is that PSA readings in obese men can be falsely lower because they have a larger volume of plasma, thus “decreasing serum concentrations of soluble tumor markers ... More About: Victim
This Is Enough To Scare Insurance Companies?
2007-11-21 00:00:00 Some time ago I started on a quest to find out the facts about mortality experience of children with type 1 diabetes. The issue I had initially run into was that insurance companies simply would not offer life insurance to children with type 1 diabetes, almost across the board. A few said they would consider ... More About: Companies , Insurance
Underwriting Type 1 and Type 2 diabetes!
2007-11-21 00:00:00 All things being equal, underwriting type 1 diabetes and type 2 diabetes really hinge on the same issues. So, why is it that type 1 seems to incur a heavier hit than type 2? Remember that with type 2 diabetes, underwriting focuses on age of onset, control and other risk factors. The real swing factor is ... More About: Diabetes , Type , Type 1
Life Insurance Bait And Switch! Why Does It Work?
2007-11-21 00:00:00 Bait and switch! The practice of sucking someone into the sales process by offering something attractive with the full knowledge that you (the salesperson) can’t come through with that offer in the end. Bait and switch is a favorite topic of those who whine about life insurance and life insurance agents. So, why does it work? ... More About: Life , Insurance , Work , Life Insurance , Switch
How Dark Can It Be, This Place Where Underwriters Hide Their Heads?
2007-11-21 00:00:00 Life insurance underwriters have a tough job, determining mortality risk based on all the different health factors, assigning rates that are fair to the customer and the company. But sometimes they don’t want to deal with something, so they jumble it up and throw it back at us agents. Before I get vague, let me just ... More About: Dark , Place , Heads , Hide
If Weight Was Everything……
2007-11-21 00:00:00 Not too long ago while writing on the obesity problem in America I ran across a state by state breakdown that showed my home state, Colorado, as being one of the 4 leanest states in the country. I wasn’t too surprised, as we are kind of an exercising, outdoorsy bunch. Then last night I heard on ... More About: Weight , Weigh
Why Turn A Deaf Ear To A Diabetes Cure?
2007-11-21 00:00:00 I know that I’ve often heard that the big drug companies really don’t want to find cures for things such as diabetes and it always leaves me shaking my head. Their purported reason for avoiding the cure is that a cure would kill the cash cow they have in selling the life long treatment. I ... More About: Diabetes , Turn , Cure
Is There Any Question?
2007-11-18 00:00:00 Just when I think I’ve heard it all concerning how stupid or dangerous drinking can be, here we go…….I was too drunk to drive so I had my son drive! But the son was 13 and was drunk also! The son was charged with DUI. Bottom line. No life insurance company I can think of would feel ... More About: Question
Prostate Cancer Not Just For Old Guys!
2007-11-18 00:00:00 In all the study and writing we’ve done on the subject of prostate cancer, we’ve uncovered some interesting little tidbits. In an article I cited in a recent post they claimed that 30% of men in their 30’s had prostate cancer at some level. Another study cited some time ago stated that all men will ... More About: Cancer , Prostate Cancer , Guys , Prostate , Prost
What A Concept! Pay To Show How Ignorant You Are!
2007-11-18 00:00:00 Just when you think you’ve seen it all! MSNBC takes the big bucks from Selectquote to misrepresent term insurance on national TV. Suze Orman is given the green light to puke out life insurance stupidity at Oprah’s expense. And now. CNN has obviously accepted enough money from Insure.com to allow them to completely mislead the ... More About: Show , Concept
Consider This Next Time You Are Asked About Your Family History!
2007-11-18 00:00:00 Family history is one of those life insurance questions that kind of gets people on the defensive. Generally the contention revolves around the fact that the younger person claims that they live an entirely different lifestyle and therefore, whatever happened to their parents doesn’t pertain to them. I just read an article that kind of slams ... More About: Family , History , Time , Consider
World Diabetes Day!
2007-11-18 00:00:00 Today is World Diabetes Day. There isn’t a lot I can add to a subject that I post on regularly but to say that anything that can bring more attention and focus to the size and scope of the diabetes problem, is a good thing. Bottom line. Type 1 diabetes and type 2 diabetes are life ... More About: S Day
New York Closer To Offering Equity Indexed Universal Life!
2007-11-18 00:00:00 New York state’s insurance department is inching their way toward the 1980’s in their life insurance product availability. You would have to live there to appreciate (or not), just how antiquated the mortality assumption logic is. A good example, probably the prime example, is that up until just a few years ago, term insurance in New ... More About: Life , New York , Universal , Closer
Let Me Be Perfectly Clear!
2007-11-18 00:00:00 In a post a few months ago I had mentioned the concern over studies that showed a potential link between the diabetes drug Avandia and heart attacks. Well, the FDA boldly stepped out and muddied the waters today in a way that only a government agency can do. There are different levels or warning labels the ... More About: Clear
Don’t Buy Your Roller Skates From A Farm Implement Dealer!
2007-11-18 00:00:00 I had a discussion with my Farm er’s Insurance agent the other day. I have my auto, homeowners and office insurance through him. He has great products and offers very good service. He called to ask me about life insurance prices. You see, he is licensed to sell life insurance along with every other insurance product out ... More About: Dealer , Roller
Don’t Assume Anything! Ask Your Parents!
2007-11-18 00:00:00 If you have parents in their 50’s through early 70’s and you don’t know what they have in place for life insurance, ask. Why that age group? They are generally still young enough to get affordable insurance, and they seem to be an age group that unfortunately listened to AARP and believes that final expenses ... More About: Parents , Parent , Assume , Pare
USA Today Goes Where Reality TV Won’t!
2007-11-18 00:00:00 After a season of disappointment in weight loss reality TV shows, where the tactics took precedence over health, it is refreshing to see someone with a worldwide audience willing to talk about diabetes health issues. Not that ABC or NBC should gear themselves to meet my expectations, but when the real issue of obesity is not ... More About: Reality , Today , Goes , Ality
A Little Different Look At Melanoma Treatment!
2007-11-13 00:00:00 Melanoma, the deadliest of the skin cancers, has been at the fore front of treatment innovation for some time. Scientists have long believed that, given a way to rev up a person’s natural immune system, melanoma could successfully be fought off without more aggressive types of intervention. A new look at this has scientists peering through ... More About: Treatment , Melanoma , Diff
These Are Some Tough Times For Kids!
2007-11-13 00:00:00 It seems sometimes that the world is kind of teetering on the edge, kind of an unnerving feeling. I thinks for kids this is especially problematic since they have yet to develop coping mechanisms and probably don’t really have a grasp on just how crazy our world has become. There has been an astonishing increase over ... More About: Kids , Times , Tough , Some
Can Type 1 Diabetes Be Prevented?
More articles from this author:2007-11-13 00:00:00 Type 1 diabetes is a disease that can potentially carry a lot of long term health baggage with it. One of the exacerbating issues is that it generally strikes young, usually children or teenagers, who then are faced with a lifetime of controlling their diabetes or facing mortality laced issues. Children’s Hospital of Pittsburgh is currently ... More About: Diabetes , Type , Type 1 1, 2, 3, 4, 5, 6, 7 |
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