by Ed Hinerman | Oct 28, 2010 | diabetes, insurance, life insurance
I’ve had health change surprises come out of nowhere before. I can still remember 30 years ago seeing the doctor for some innocuous thing and he did a blood workup. The result was a diagnosis of Raynauds disease. I was in my late 20’s and felt pretty good....
by Ed Hinerman | Aug 3, 2010 | bait and switch, insurance, life insurance
Having run across bait and switch situations often during my years in life insurance, and having just run head on into again today, I thought I would share a few thoughts starting with an analogy. Have you ever wondered what a fish must go through when they’re...
by Ed Hinerman | Mar 11, 2010 | insurance, life insurance, prostate cancer
I’ve often heard and read several places that most men will get prostate cancer to some degree if they live to a moderately old age. The good news is that, for many, it will have little or no impact on their lives or their mortality. For a great many they will,...
by Ed Hinerman | Jan 19, 2010 | conversion, insurance, life insurance
I’ve often talked about the conversion option being the gold nugget hidden in term life insurance policies. Simply put the option allows you to convert all or part of your policy to permanent coverage without evidence of insurability. I’ve also often...
by Ed Hinerman | Jan 13, 2010 | insurance, life insurance, prostate cancer, PSA
We’ve covered a lot in the past on the life insurance underwriting of prostate cancer. Prostate cancer is one of those good news/bad news events in the cancer world. Prostate cancer is the second most prevalent cancer among men, surpassed only by skin cancer. It...
by Ed Hinerman | Oct 29, 2009 | insurance, life insurance, prostate cancer
I got a call from a prospective client last week wanting to see if I could find anyone who would offer him life insurance. His issue is prostate cancer with a Gleason 9. He had a radical prostatectomy, chemotherapy and is currently on hormone therapy Lupron. His PSA...
by Ed Hinerman | Sep 24, 2009 | insurance, life insurance, prostate cancer
I heard through another agent this morning about a 68 year old client of theirs who was declined by Banner Life due to his PSA increasing from 2.1 to 3.1 over the last 15 months. It must be really dark where that underwriter keeps their head. If the client was young...
by Ed Hinerman | Jul 27, 2009 | cholesterol, insurance, life insurance
It always amazes me the way men proclaim how many years it’s been since they’ve seen a doctor and say it like they’re proud, like it’s a badge of honor to ignore your health. I’ve been working on a life insurance application for a local...
by Ed Hinerman | Jun 8, 2009 | decline, insurance, life insurance
A life insurance decline doesn’t do anyone much good. The client doesn’t get the insurance and the agent and company spend time and money getting to that conclusion and lose money because nothing is ever purchased. Just so no one thinks I’m starting...
by Ed Hinerman | Apr 27, 2009 | cancer, insurance, life insurance, prostate cancer, PSA
It seems to me of all the major cancers, being the second most common among men, prostate cancer has been a hot bed of breakthroughs and I believe (the world according to Ed) will be the first major cancer that will be rendered null by scientific research. Today more...
by Ed Hinerman | Mar 19, 2009 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Big news yesterday. Two studies that have been going on over the last 10 years threw a lot of doubt as to the value of the PSA (prostate specific antigen) test as it pertains to prostate cancer. Are the recommended annual tests going to go by the wayside and what...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Feb 2, 2009 | blood pressure, decline, high blood pressure, insurance, life insurance, mortality, PSA, stroke, term insurance
The trend never seems to end. Men especially aren’t real keen on regular checkups with their doctors and have this almost childlike view of mortality. They’re sure people get sick and die, but it’s certainly not them or anyone remotely close to their...
by Ed Hinerman | Nov 25, 2008 | cholesterol, insurance, life insurance, liver functions, no exam, PSA, smoking, term insurance
With very few exceptions life insurance applications are accompanied by a physical exam and blood and urine tests. Occasionally the issue of a blood draw can complicate things with people whose veins are hard to find or those that are just plain freaked out by...
by Ed Hinerman | Nov 11, 2008 | blood pressure, diabetes, heart attack, insurance, life insurance, prostate cancer, PSA
As soon as you tell someone that they don’t qualify for the best rates available, stand back, because the knee jerk reaction is to unload on you with something akin to the intelligent response, “So, they think I’m about to die of a heart attack, or...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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