by Ed Hinerman | Apr 7, 2007 | coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, private pilots, Sleep apnea, Type 2 diabetes
Most sleep apnea is diagnosed first by the spouse of the person who has it. Usually they would consider themselves to be the one that suffers from because one of the possible signs of sleep apnea is extraordinarily loud snoring. Actually sleep apnea, left untreated,...
by Ed Hinerman | Apr 4, 2007 | guaranteed issue life insurance, insurance, insurance quotes, life insurance
I don’t know if New York state employees have an exceptionally hard time in getting help with retirement planning. I hope for the rest of the country sake that their situation is an exception rather than a rule. Recently a retiring state employee wanted life...
by Ed Hinerman | Mar 31, 2007 | Independent agent, insurance, insurance quotes, life insurance, Type 2 diabetes
With the Center for Disease Control stating that type 2 diabetes has reached epidemic proportions in the United States, life insurance companies are faced with the challenge of how to underwrite the disease so that it is properly assessed in the context to the risk...
by Ed Hinerman | Mar 29, 2007 | coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Four tips for type 1 and type 2 diabetics who are looking for life insurance and don’t want to pay through the nose for it. 1. Learn about your diabetes. Be able to explain to an independent agent when it was diagnosed, exactly what your treatment is, and if...
by Ed Hinerman | Mar 28, 2007 | breast cancer, cancer, insurance, insurance quotes, life insurance, prostate cancer, PSA
As treatment for all types of cancer have improved, life insurance underwriters have been forced to re-evaluate their guidelines for different types of treatment and how the mortality experience has actually changed. One good example is with prostate cancer. While the...
by Ed Hinerman | Mar 28, 2007 | children's life insurance, guaranteed issue life insurance, Independent agent, insurance, insurance quotes, life insurance, private pilots, term insurance, universal life, whole life
Advocacy is defined in the dictionary as co-supporting or promoting the interests of another. There are several advocacy groups that promote life insurance to their members or to the group of people that they would suggest they are advocates on behalf of. I have a...
by Ed Hinerman | Mar 27, 2007 | business life insurance, buy/sell life insurance, Independent agent, insurance, insurance quotes, life insurance, term insurance
In the excitement of starting a new business all the focus is generally onward and upward and the tendency is to kind of overlook the downside to success. This is more prevalent in partnerships, but is also a real problem for sole proprietors and corporations....
by Ed Hinerman | Mar 25, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 2 diabetes
It used to be that in order to secure the best life insurance quotes a person needed to be nearly Superman, or slightly better if possible. There was certainly a day not all that long ago when treatment for hypertension or high cholesterol would have bumped you from...
by Ed Hinerman | Mar 22, 2007 | cancer, coronary artery disease (CAD), heart attack, Independent agent, insurance, insurance quotes, life insurance
Coronary artery disease (CAD), heart attacks, angioplasty and bypass surgery are generally enough to make the average life insurance agent run for the hills. As they close the door or hang up the phone they will probably be sputtering something about uninsurable. Time...
by Ed Hinerman | Mar 18, 2007 | Independent agent, insurance, insurance quotes, life insurance, private pilots, skydiving, term insurance
On the way up this weekend I got the chance to talk to two pilots and three professional skydivers. One of them asked me what I do and when I mentioned that I am a life insurance agent, the questions started flying. Can I get it even though I skydive? Why do pilots...
by Ed Hinerman | Mar 16, 2007 | Independent agent, insurance, insurance quotes, life insurance
For those of us who grew up around wilderness areas, “leave no trace” was something we learned early and really took to heart. It meant not only cleaning up after ourselves, but very often cleaning up someone else’s left behinds. Having adequate life...
by Ed Hinerman | Mar 16, 2007 | Independent agent, insurance, insurance quotes, life insurance, term insurance
I know I’ve been guilty of putting off going to the dentist and much to my dismay it ended up costing me much more than I would have liked to pay. Instead of getting my teeth cleaned and checked, and maybe getting a filling, I would end up with a root canal and...
by Ed Hinerman | Mar 15, 2007 | Independent agent, insurance, insurance quotes, life insurance, private pilots, term insurance, universal life, whole life
A large percentage of life insurance customers know very little about the products they are inquiring about. Especially true for first time customers but very often just as true for customers who have purchased before. A quick confession right up front to your...
by Ed Hinerman | Mar 14, 2007 | cancer, coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Go figure how a website can make it to the top of Google under the search “Life insurance for diabetics” and be completely uninformative and actually misleading. They start off with statements like this, “Once a person is diagnosed with diabetes,...
by Ed Hinerman | Mar 11, 2007 | final expense life insurance, Independent agent, insurance, insurance quotes, life insurance
Life insurance companies use criteria such as financial justification and insurable interest to determine how much life insurance they will sell to an individual. Financial justification simply keeps the amount of insurance in proportion to the actual financial loss....
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