Ed Hinerman on Life insuranceEd Hinerman on Life insuranceEverything you need to know about life insurance Articles
Get On Board! Know About Your Health!
2008-04-13 00:00:00 I have often written about the surprises that come with life insurance exam results, from the fairly benign slight elevations in cholesterol to the alarming large elevations in PSA results. The surprise should really come as no surprise because the person who gets annual physicals is today, more the exception than the rule. We all have ... More About: Health , Board
Another Brush With The Ultra Fast CT Scan!
2008-04-10 00:00:00 In a post some months ago I was sharing some of my new found knowledge about ultra fast CT scans and their viability and dependability in detecting clogged arteries in the heart. Just to refresh a bit, the ultra fast CT scan hangs it’s hat on the ability to detect calcification in the veins and ... More About: Ultra , Brush , Fast , Scan
What Matters More, Commission Or A Customer With Insurance?
2008-04-09 00:00:00 I?ve mentioned before that there is a problem in the life insurance business. Pure and simple, it?s greed. Agents are so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the job and lead them in the right direction. This ... More About: Insurance , Customer , Commission , Matters
Where?s The Beef??
2008-04-08 00:00:00 My vote for the biggest rub in life insurance underwriting is weight. Easily the most disgruntled life insurance client is when they are told that their insurance is going to cost more because they guessed their weight wrong, or they weren?t really 6?2, but 6?1 1/2 (which examiners round down, not up). Insurance companies have build ... More About: Beef
News Flash! Smoking Hurts Your Life Insurance Rates!
2008-04-08 00:00:00 People act shocked and amazed when they find out they don?t get those life insurance rates advertised everywhere. I think somewhere inside they knew it would happen because those are non smoking rates and they smoke. And all that flashed fine print on the insurance ads can hardly be seen through the smoke. Surely ... More About: News , Life , Flash , Insurance , Smoking
Mood Disorders And The Road To Affordable Life Insurance!
2008-04-04 00:00:00 40 years ago it was a rare thing to hear of someone who was on medication for depression. Of course back then people really didn?t talk about ?those kind? of problems very openly. Treatment options were generally restricted to visiting a psychologist, therapist, or psychiatrist. Now conditions such as depression, bipolar disorder and anxiety are talked ... More About: Life , Insurance , Life Insurance , Road , Disorders
Trust Me! I?m A Doctor!
2008-04-04 00:00:00 How can you charge so much money for the education it takes to become a doctor and never teach them about the impact of poorly kept medical records? There is a huge problem in the integrity of the information that is put into medical records. It runs from casually putting irrelevant information in the records ... More About: Trust , Doctor
Life Insurance And Alcohol Or Drug Abuse!
2008-04-03 00:00:00 If you want to get a life insurance underwriter?s attention, talk about your history of alcohol or drug abuse. Tell them about your DUI or history of DUI?s. A good independent agent is going to ask about any history of alcohol abuse, treatment for alcohol or drug abuse and any dui?s you may have had. ... More About: Life , Abuse , Insurance , Alcohol , Life Insurance
If You Only Took Seriously What You Know To Be True!
2008-04-02 00:00:00 Last year it was all the students and teachers killed on the Virginia Tech campus. Before that, Columbine High in Denver. What about 9/11? Things like that are just so hard to fathom. Who among us hasn?t received an email or a phone call telling us how a common friend and in some cases, whole families, ... More About: True
Another Bipolar Success Story!
2008-03-30 00:00:00 You think I get excited about this stuff. You should talk to the people who have been battling the bipolar/life insurance battle for years and getting their rears kicked by insurance companies. They keep getting told that they are bipolar, therefore they are uninsurable. That may be true in some cases, but we’re finding that ... More About: Story , Success , Success Story , Bipolar
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
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
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
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
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
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
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
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
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
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
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
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?
More articles from this author: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 1, 2, 3, 4, 5, 6, 7 |
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