by Ed Hinerman | Sep 23, 2014 | family history, life insurance, life insurance approval, prostate cancer, PSA
I’m working with a former Selectquote life insurance client. He applied through them and his application was postponed due to a PSA (prostate specific antigen) on his life insurance exam labs of 4.67, below 4 being normal. The company wanted the proposed insured...
by Ed Hinerman | Oct 11, 2011 | estate taxes, insurance, life insurance
I know we’re American and believe that we not only ought to have our cake and eat it too, but it’s time the breadwinners of the country get a grip and allow that things don’t always go our way. I’ve talked before about what constitutes a need...
by Ed Hinerman | Aug 23, 2011 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance
I’m currently working on a life insurance case where the client, a physician, sought and completed treatment 4 years ago for prescription drug abuse. We shopped this last year and got an offer from Banner Life. The case was declined in underwriting because they...
by Ed Hinerman | Feb 3, 2011 | estate taxes, insurance, life insurance
No, really!! That was the front page headline on and industry publication I get called Insurancenewsnet Magazine. Without even opening up the magazine I know where the rant is headed. Never in the history of estate planning has there been more opportunity to be as...
by Ed Hinerman | Dec 23, 2010 | guarantee, insurance, life insurance
In the last six or seven years NY life insurance has managed to lift itself out of the dark ages, and while still not as robust and open as the other 49 states, progress is still progress. I remember back when I first got licensed in all the states it didn’t...
by Ed Hinerman | Dec 22, 2010 | gastric bypass, life insurance, obesity
Obesity! Obesity! OBESITY! That’s kind of the way our country has been going over the past 20-30 years. I remember growing up in Wyoming and, as rude as I may have been, really staring at morbidly obese people. They were just that rare. I get asked fairly often...
by Ed Hinerman | Jan 21, 2010 | conversion, insurance, life insurance, West Coast Life
The reversal in direction and trend that started at the first of last year is continuing with West Coast Life being the most recent to announce that term insurance rates will be increasing. I’m not overly concerned about the term rate increase but I do continue...
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