by Ed Hinerman | Jun 5, 2012 | diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes
It’s what we’re all looking for, right? The path of least resistance. I know whenever I can I would prefer to do as little as possible and, really, honestly, I would kind of like instant gratification. Hey it leaves more time for the fun stuff. Getting...
by Ed Hinerman | Nov 27, 2011 | AARP, guaranteed issue life insurance, Independent agent, insurance, life insurance, New York Life, no exam
For us more seasoned life insurance buyers there is an industry tendency to want to squeeze us all into the same companies and product type, senior life insurance or final expense life insurance. This would be OK 1. if over 60 life insurance needs really did change or...
by Ed Hinerman | Oct 21, 2011 | AARP, Burial insurance, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
When you’re over 50 life insurance offers start coming from everywhere. Final Expense insurance. Burial life insurance. The truth is that the senior life insurance market is the most hammered niche in the industry. Why? They think they can push our buttons when...
by Ed Hinerman | Jul 27, 2011 | AARP, final expense life insurance, insurance, life insurance, no exam
I know that you know that I seem to have a real case of the can’t shut ups when it comes to the New York Life / AARP life insurance program, but AARP is so in the face of our country and especially the elderly among us, well, it’s become kind of personal....
by Ed Hinerman | Jul 15, 2011 | AARP, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
The life insurance industry, at least the final expense life insurance industry would certainly love for you to believe that over 50 life insurance is a minefield with disaster written all over it. Suddenly you must be perceived as a greater life insurance risk as the...
by Ed Hinerman | Mar 10, 2011 | final expense life insurance, life insurance, no exam, over 50 life insurance, senior life insurance
When we are over 50 life insurance advertising takes on a whole new twist designed to make you believe that possibly, just possibly, you can’t qualify for insurance that requires an exam. They dangle out there life insurance with “no questions asked”...
by Ed Hinerman | Feb 25, 2011 | guaranteed issue life insurance, insurance, life insurance, no exam, over 50 life insurance, senior life insurance, term insurance, whole life
If an older person does a search for final expense life insurance, the typical policy that someone in their 60’s or 70’s might want, you could easily be led to believe that the only thing available is guaranteed issue or no exam life insurance (simplified...
by Ed Hinerman | Oct 14, 2010 | insurance, life insurance, no exam, senior life insurance
If you can get life insurance without taking an exam, called simplified issue insurance, without donating blood and urine and blocking out 20-30 minutes of your time, why would anyone buy a traditional term life insurance policy that requires an exam? Seems like a...
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 | Aug 27, 2010 | insurance, life insurance, no exam
I am not a big fan of “no exam” life insurance simply because when you are going to lock in 20 or 30 year term insurance it just seems prudent to do an exam and get the best possible rate you can. After a talk with one of my nieces the other day I am ready...
by Ed Hinerman | Aug 18, 2010 | AARP, insurance, life insurance, senior life insurance, term insurance, whole life
When a person gets into their 60’s, 70’s and above there is a real life insurance industry tendency to try to shove them into the final expense market, even at a time when people are working longer and have larger needs than most final expense policies...
by Ed Hinerman | Apr 7, 2010 | guaranteed issue life insurance, insurance, life insurance, no exam
It may not be advertised as much as “ED” medications, but there is no lack of attempts to get you to look at various life insurance offers that hang their hat on the fact that you don’t have to take an exam. “No exam” life insurance is...
by Ed Hinerman | Jan 21, 2010 | insurance, life insurance, no exam
I got a letter (bulk rate) from Garden State Life today. I had inquired some time back just to find out how bad their “no exam” life insurance offer was. I like to keep abreast of the hardly ever changing difference between what life insurance will cost if...
by Ed Hinerman | Oct 29, 2009 | diabetes, insurance, life insurance
So, you have this life insurance policy and you don’t know if it’s a good deal or not, but it’s in force. That’s a good thing and actually far better than most folks have done. But what if there is a better deal out there? I am amazed at the...
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...
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