by Ed Hinerman | Mar 5, 2009 | insurance, insurance quotes, life insurance, term insurance
YRT, yearly renewable term life insurance, has been around for a long time. Really the original term insurance, it has a rate that is guaranteed. Unfortunately it is guaranteed to go up substantially every year. YRT starts out with a very low first year price. For...
by Ed Hinerman | Feb 14, 2009 | bait and switch, blood pressure, cholesterol, diabetes, heart disease, high blood pressure, insurance, insurance quotes, life insurance
Just for minute let’s pretend this wild scenario could happen. You talk to two life insurance agents and tell them both the same health information. One gives you a quote that your life insurance policy will cost $1000 a year and the other says it will cost...
by Ed Hinerman | Aug 18, 2008 | insurance, insurance quotes, life insurance, term insurance
I am a graduate of Dave Ramsey’s Financial Peace University and a firm believer in his financial guidance and yes, his thoughts on life insurance. I believe that both his passionate belief that people should have life insurance and that for almost everyone it...
by Ed Hinerman | Oct 7, 2007 | estate taxes, insurance quotes, life insurance
Life insurance proceeds are about the only source of money that is income tax free. This gives added value to the benefit that you leave your beneficiaries. There is one area that you need to be careful with beneficiary designations. The IRS has a three year look...
by Ed Hinerman | Aug 23, 2007 | heart attack, heart disease, insurance, insurance quotes, life insurance
It’s been one of those weeks that will drive me to repeating myself. I know I just smacked doctors over the head a few days ago about how they don’t quite explain all the relevant details to their patients. That really puts the patient in a awkward...
by Ed Hinerman | Aug 21, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance quotes, life insurance
It’s time I quit beating around the bush about this subject. I get numerous requests for people who are looking for $20,000 of life insurance or less. Generally I am talking about retired folks who only need final expense or burial insurance. Some times health...
by Ed Hinerman | Aug 14, 2007 | Fat March, insurance quotes, life insurance
My goal for following the ABC show Fat March has been to bring attention to the fact that people can get life insurance at affordable rates even if they are overweight in most instances. I also wanted people to see, as the participants drop weight, what a difference...
by Ed Hinerman | Jul 24, 2007 | cholesterol, insurance quotes, life insurance, term insurance
The old saying that “a bird in the hand is worth two in the bush” is really what I try to drive home about life insurance. Something is always better than nothing when it comes to your beneficiaries. Let me give you a common example. A person applies for...
by Ed Hinerman | Jul 16, 2007 | diabetes, heart disease, high blood pressure, hypertension, insurance, insurance quotes, obesity, Type 1 diabetes, Type 2 diabetes
If you have type 1 diabetes or type 2 diabetes and have shopped for life insurance, you more than likely ran into a few stumbling blocks, a few roadblocks and some outright dead ends. The real problem is that you probably ran into an agent who didn’t understand...
by Ed Hinerman | May 16, 2007 | basal cell carcinoma, cancer, diabetes, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
I just learned today that due to pressure from reinsurance companies, many life insurance companies will be charging higher rates for women who have had gestational diabetes. Again, why do you want an independent life insurance agent?? While many life insurance...
by Ed Hinerman | May 15, 2007 | cancer, coronary artery disease (CAD), diabetes, heart disease, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
When completing a health interview before receiving a life insurance quote from your independent life insurance agent, you will be asked a family history question. Most companies want to know if any member of your immediate family (defined as mother, father and full...
by Ed Hinerman | Apr 27, 2007 | Independent agent, insurance, insurance quotes, term insurance, universal life, whole life
Hi, My name is Ed Hinerman. I haven’t been selling life insurance forever, but I have been around long enough to see radical changes in products available. I just want to share with you today what I consider to be one of the most troublesome leftovers from the...
by Ed Hinerman | Apr 25, 2007 | final expense life insurance, insurance, insurance quotes, life insurance, term insurance, universal life
I’ve heard some good ones. I don’t want to make her rich. She only needs enough to get by until she can find another husband. What happens if I’m still alive when I reach the end of my term insurance? A lot of excuses for not stepping up and buying...
by Ed Hinerman | Apr 17, 2007 | coronary artery disease (CAD), Depression, heart attack, high blood pressure, Independent agent, insurance, insurance quotes, life insurance, Type 2 diabetes
The question often comes up, “why is type 2 diabetes a big deal when a person is trying to buy life insurance”? After all, you take your medicine and keep your blood sugar down and, well, what’s the problem? The truth is that if all it involved was...
by Ed Hinerman | Apr 14, 2007 | basal cell carcinoma, cancer, Independent agent, insurance, insurance quotes, life insurance, melanoma, squamous cell carcinoma
The various skins cancers and the way in which they are viewed by life insurance underwriters continues to evolve. The three primary skin cancers are basal cell carcinoma, squamous cell carcinoma and melanoma. Not even five years ago it was a given that basal cell...
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