by Ed Hinerman | Jan 20, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, variable universal life, whole life
I would like nothing more than to be blogging today to humbly admit that I had cried wolf and that all of my screaming about non guaranteed life insurance teetering on the precipice was wrong, but…….. I spoke with a client looking for term insurance about...
by Ed Hinerman | Jan 19, 2009 | insurance, life insurance, liver functions
“Life insurance companies are just trying to figure out a way to raise my rates. My doctor says there’s nothing wrong with my …….”. It’s a real dilemma. Who do you trust? The doctor that’s known you for years and you pay the...
by Ed Hinerman | Jan 17, 2009 | insurance, life insurance, term insurance
Not a week goes by that I don’t get to have the “reality” discussion with someone about the fact that life insurance rates have been dropping steadily over the past 10-15 years. That fact is absolutely 100% true for some people. First, the biggest...
by Ed Hinerman | Jan 16, 2009 | Anxiety, bipolar disorder, blood pressure, Depression, heart attack, high blood pressure, obesity, Sleep apnea, stroke
Up until a few years ago sleep apnea, even well controlled with a cpap, was just one of those health issues that you could expect wouldn’t get much better than a standard plus approval from the best of life insurance underwriters. The same could be said of...
by Ed Hinerman | Jan 15, 2009 | insurance, life insurance, scuba diving, skydiving
You’ve got some good news and you’ve got some bad news when it comes to life insurance underwriting for scuba divers. The good news is that there are still plenty of opportunities out there for preferred plus and preferred rates for those recreational...
by Ed Hinerman | Jan 15, 2009 | cancer, pilot, private pilots, stroke, student pilot, term insurance
One in six men who reach age 26 in our country will not make it to age 64. For women it is one in nine. I live in a small town in the “Heart of the Rockies”, Salida, Colorado. Around here when someone passes away, everyone knows it. When someone passes...
by Ed Hinerman | Jan 14, 2009 | insurance, life insurance, term insurance
It’s tough. No, it’s scary to be proactive in an economic meltdown of the proportions that we are experiencing right now, but it may mean the difference in your family’s future. There’s no surprise that I would want to talk about life...
by Ed Hinerman | Jan 13, 2009 | cholesterol, insurance, life insurance
I have been detailing an ongoing discussion between myself and ING Reliastar chief underwriter Diane Gill concerning a client who she claimed, due to his cholesterol of 253 and cholesterol ratio of 5.13, did not meet their criteria for their preferred rate class. I...
by Ed Hinerman | Jan 12, 2009 | Depression, diabetes, Independent agent, insurance, life insurance, private pilots
Shopping for life insurance is no big trick if you’re healthy, young and boring. This is the one area where the giant on line agencies may actually provide good service. Anything more complicated than young, healthy and boring is definitely where the services of...
by Ed Hinerman | Jan 11, 2009 | blood pressure, cholesterol, insurance, life insurance
I mentioned the other day that I was doing battle with a company on their decision to bump a client one rate class because they say he doesn’t meet their underwriting criteria. This will give you a bit of insight into underwriting logic. It kind of falls in the...
by Ed Hinerman | Jan 10, 2009 | bypass surgery, coronary artery disease (CAD), heart attack, heart disease, insurance, life insurance, smoking
Just 10 days into the year. 1/36th of the way through it. We hardly even have our feet wet in the new year yet and I have been bowled over by as much acute denial in this short period than I am in an average month. Is it possible the economic meltdown is causing...
by Ed Hinerman | Jan 8, 2009 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
Since the financial meltdown of 08 began I have been gently screaming my head off for those millions of folks whose life insurance is tied up in whole life and traditional universal life to have it reviewed. Get a reality check!!! There are only a handful of factors...
by Ed Hinerman | Jan 3, 2009 | angioplasty, decline, heart attack, heart disease, smoking
I think on some level we all carry a bit of denial along with us. It’s probably a chromosomal kind of thing, like there are x, y, z and denial chromosomes. Unfortunately for those most affected by denial there is bad news from life insurance underwriters....
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