by Ed Hinerman | Jun 25, 2013 | Active Duty Military Life Insurance, application process, family history, insurance, insurance quotes, life insurance, life insurance approval, Met Life, military
Me pass up an opportunity to question a life insurance company stance at the very core of its’ self proclaimed heart? Not on your life or over my dead body. USAA and MetLife are the self proclaimed most patriotic life insurance companies in the country. They...
by Ed Hinerman | Jan 21, 2012 | AARP, insurance, life insurance, New York Life, Prudential, ratings
I had emailed some quotes off to a client this week with Genworth Life and Annuity, a major player in no lapse guarantee UL’s and in this case the best rate class offer I had received when shopping the case. She went on line and found out that Genworth has been...
by Ed Hinerman | Aug 31, 2011 | insurance, life insurance, over 50 life insurance, pilot, private pilots
I have a lot of clients, especially ex military, who have their auto, homeowners and sometimes life with USAA. They are a stellar company from a ratings and financial point of view, but with life insurance underwriting they are, well, conservative would be a good way...
by Ed Hinerman | Nov 19, 2010 | Attention Deficit Disorder, insurance, life insurance
Every time I hear of someone being rated anything more than preferred on a life insurance application for ADHD or ADD, it just leaves me shaking my head and wondering if the underwriter has any clue what attention deficit disorder is. I got an email this morning,...
by Ed Hinerman | Jan 14, 2010 | Anxiety, insurance, life insurance
USAA is one of the biggest insurance companies in the country. Their ratings are enviable and their reputation is impeccable, except for one large chink in their armor. They stink at underwriting. Like a lot of large auto and homeowners insurance companies, USAA makes...
by Ed Hinerman | Aug 31, 2009 | bipolar disorder, insurance, life insurance
Another bipolar disorder success today. A client I have been working with who applied with State Farm and USAA and received highly rated offers from both was able to get a standard rate through one of our better carriers, more than cutting in half his potential life...
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