by Ed Hinerman | Sep 30, 2010 | diabetes, insurance, life insurance, over 50 life insurance, senior life insurance
Preferred plus life insurance rates and type 2 diabetes are rarely used in the same sentence except possibly in the context of “Your chances of getting preferred plus rates with type 2 diabetes are slim to none”. That was until last year when ING Reliastar...
by Ed Hinerman | Sep 29, 2010 | insurance, life insurance, private pilots
Buying life insurance can be so easy today that it’s just crazy compared to 30 years ago. If you’re healthy and don’t have any dangerous hobbies you can quickly and easily get the family protection you need from one of the big on line agencies, a...
by Ed Hinerman | Sep 28, 2010 | guarantee, guaranteed level premium, John Hancock, life insurance
I’ve written multiple times on the need for guarantees in life insurance. “Make sure the insurance you have has a guaranteed rate for as long as you’re going to need it”……”Don’t buy any insurance that doesn’t have...
by Ed Hinerman | Sep 27, 2010 | insurance, life insurance, term insurance
I’ve written often and am a big advocate of owning more than one life insurance policy, staggering or layering term policies. The reason is simple. Unless you are the complete odd duck in the pond, your life insurance needs are not all the same length and not...
by Ed Hinerman | Sep 21, 2010 | insurance, life insurance, whole life
John Hancock announced today that sales of their Protection Whole Life product will be temporarily suspended “due to the ongoing low interest rate environment”. Protection Whole Life has a guaranteed interest rate of 5%, slightly higher than industry...
by Ed Hinerman | Sep 20, 2010 | insurance, life insurance, multiple sclerosis
Looking through life insurance forums this morning I came across a question and answer on Insure.com that really speaks to the quality of service offered through the large on line agencies. The cold hard fact about high volume mega agencies is that, even though they...
by Ed Hinerman | Sep 16, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
One of the often asked questions on diabetes forums and blogs is if a person with type one diabetes can get life insurance at all, and if so can it be done at reasonable rates. I recently posted a checklist of criteria that underwriters want to see in order to approve...
by Ed Hinerman | Sep 16, 2010 | final expense life insurance, insurance, life insurance, senior life insurance
I wrote a post yesterday on final expense life insurance and as often happens, I woke up today with something from that post bothering me, a lot. Toward the end of the post I made mention of a company, Equita Final Expense Services, that made the claim that, unlike...
by Ed Hinerman | Sep 15, 2010 | final expense life insurance, insurance, life insurance, senior life insurance, whole life
When I go through my daily Google Alerts to keep current with life insurance related matters, one of the topics I follow is “Final Expense Life Insurance”. More than any other topic I follow this is absolutely riddled with a combination of bad advice and...
by Ed Hinerman | Sep 14, 2010 | insurance, life insurance, pilot, private pilots
Prudential has always been somewhat aviation life insurance friendly, not always leading the way, but always in the mix for fair underwriting and good rates. It now appears they are making a serious move to capture more of the life insurance market Changes have been...
by Ed Hinerman | Sep 13, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I’ve often talked about mortality risk being the basis for life insurance underwriting, but looking back I’ve never really explained what that means in the context of a “normal” lifespan. We all hear that Americans are living longer than ever,...
by Ed Hinerman | Sep 10, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
Proof that underwriting guidelines are 1. Not etched in stone like the 10 commandments and 2. Aren’t consistent from company to company, is shown in how type 1 diabetes is underwritten, particularly adult onset type 1. Type 1 diabetes has long been the unloved...
by Ed Hinerman | Sep 9, 2010 | incontestability, insurance, life insurance, pilot, skydiving
There has always been a stigma attached to life insurance and life insurance companies that they really will do all they can to get out of paying a life insurance claim. People really want, on some level, to believe life insurance companies really don’t pay out...
by Ed Hinerman | Sep 8, 2010 | insurance, life insurance, over 50 life insurance, term insurance, universal life, variable universal life, whole life
I feel a little like the boy that cried wolf and pretty soon no one is listening, but if you have a universal life, variable universal life, indexed universal life or whole life policy, the wolf is real and if you ignore it long enough it’s going to mess up your...
by Ed Hinerman | Sep 2, 2010 | insurance, life insurance, suicide clause
I was reading a summary of a case that involved the denial of payment on an accidental death claim where the car accident may have been contributed to, or caused by the insured’s blood alcohol level of .17. Just to be clear, this involved an accidental death and...
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