by Ed Hinerman | Feb 28, 2012 | Alcohol Treatment Life Insurance, decline, diabetes, Drug Treatment Life Insurance, insurance, life insurance, prostate cancer
I got an email from a life insurance agent today asking me if I could recommend a guaranteed issue life insurance company in Massachusetts. He indicated that he had run into several clients that were uninsurable and wanted to find the best company to write graded...
by Ed Hinerman | Jul 27, 2010 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance
Substance abuse treatment and life insurance underwriting are a delicate dance that if done correctly can be both successful in approval and reasonable rates. Having said that, like any impairment, there are parameters that have to be met. Whether self admitted,...
by Ed Hinerman | Nov 10, 2008 | Alcohol Treatment Life Insurance, cancer, cholesterol, diabetes, Drug Treatment Life Insurance, foreign travel, heart attack, heart disease, obesity
They’re the rates you see advertised all the time and they are definitely the rates that everyone would like to be paying for their life insurance coverage. But do you qualify? First let’s dispel with a few old myths. Your age and the amount of insurance...
by Ed Hinerman | Jun 7, 2007 | Alcohol Treatment Life Insurance, cancer, Depression, Drug Treatment Life Insurance, estate taxes, heart disease, insurance, life insurance, private pilots
A Simon and Garfunkel song with the line, “my lack of education hasn’t hurt me none”. Well that may be just fine for most life insurance agents, but the fact that it hasn’t “hurt them none” isn’t really the point. How many...
by Ed Hinerman | May 30, 2007 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, Independent agent, insurance, life insurance, term insurance, universal life
Whether it is youthful indiscretion or taking the wrong route in dealing with with real life grown up issues, alcohol and drug abuse are no stranger to anyone. If we haven’t been there ourselves, we certainly know of someone who has. Some never get past it....
by Ed Hinerman | May 8, 2007 | cancer, coronary artery disease (CAD), diabetes, Drug Treatment Life Insurance, DUI, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
I just read a blog by Jen Creer on www. thediabetesblog.com about teens using the internet as a resource to self educate about their type 1 and type 2 diabetes. Teens (and adults) found out more about the disease, and how to monitor and control it. They found...
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