by Ed Hinerman | May 14, 2009 | cholesterol, HDL, heart attack, high blood pressure, hypertension, insurance, life insurance, stroke
There are plenty of people that apply for life insurance and are sure they are going to get the best rate class available. In their mind they are even ahead of Superman because he has that disorder that has to do with Kryptonite. These people have never been sick,...
by Ed Hinerman | May 14, 2009 | estate taxes, insurance, life insurance, second to die insurance, universal life
Ok, I’m not really holding my breath, but you do realize that with 7 months left to go Congress needs to act or there will be a free estate tax ride in 2010. As the law now stands, the exemption has been rising steadily over the last 9 years from the...
by Ed Hinerman | May 13, 2009 | cancer, death benefit, heart attack, insurance, life insurance, mortality, mortality risk, prayer
If you only had a crystal ball, right? If you knew when you were going to die you could put off buying life insurance right up to the last moment, or if you knew you would outlive the need for life insurance you could just not buy at all. Well, unless you are...
by Ed Hinerman | May 13, 2009 | epilepsy, life insurance, seizure disorder
With most life insurance agents and most life insurance company underwriters, the mere mention of a history of seizure disorders or epilepsy is enough to bring the conversation and the application to a screaming halt. Not unlike a lot of the less common health issues,...
by Ed Hinerman | May 13, 2009 | family history, insurance, life insurance, mortality, mortality risk, smoking
If anyone out there is suffering from the illusion that your medical records are accurate, let me clue you in. The chance that your records contain substantive errors is about 75%. The chance that your records are error free is within the margin of error for 0%....
by Ed Hinerman | May 12, 2009 | Anxiety, bipolar, bipolar disorder, Depression, Independent agent, insurance, insurance quotes, life insurance
We’ve done a lot of work for clients with mild to moderate, usually situational, depression or anxiety disorders. The truth is the more crazed and frenetic our society and lifestyle become, the more people are looking for a little bit of help coping. It’s...
by Ed Hinerman | May 12, 2009 | basal cell carcinoma, cancer, cholesterol, insurance, life insurance, mortality, mortality risk
Very few weeks slip by that I don’t take the opportunity to drive home the life insurance consequences of not following through with a doctor’s recommendation for a test or a follow up visit. These may seem like small things, but in the world of...
by Ed Hinerman | May 11, 2009 | bypass surgery, diabetes, gastric bypass, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes
There was a time when I had a whole different view of obesity and gastric bypass. I think the majority of folks still look at the whole thing through somewhat jaded and certainly uneducated eyes. I will just be right up front and ask to be forgiven for the way I felt...
by Ed Hinerman | May 8, 2009 | breast cancer, cancer, Independent agent, insurance, life insurance
My wife and I are off to spend the weekend with my mom in Wyoming. For the first time this spring it appears there won’t be a major winter storm in between us. Happy Mothers Day! It is my mom’s own fight with breast cancer that has renewed my optimism for...
by Ed Hinerman | May 7, 2009 | insurance, life insurance, private pilots
What a difference from a year ago. Private pilots have been freed up from the $5+ per gallon fuel and are once again logging hours. Underwriting for private pilots with most of the aviation life insurance friendly companies calls for a minimum number of hours annually...
by Ed Hinerman | May 7, 2009 | insurance, John Hancock, life insurance, Met Life, term insurance, universal life, whole life
Can you say fire sale? I just got notice of yet another term insurance price increase, this time from American National, and it appears that the rebound from the lowest prices in history are picking up steam. I know all of the whole life agents that like to attempt to...
by Ed Hinerman | May 6, 2009 | accelerated death benefit, conversion, insurance, life insurance, Met Life, Protective Life, term insurance, universal life, whole life
Last week I talked about a case with Met Life where a person was able to use the met-life-external-conversion program in order to convert to a policy that had an accelerated benefit rider. Their company didn’t have the benefit and the person was terminally ill...
by Ed Hinerman | May 5, 2009 | A1c, angioplasty, Banner Life, bypass surgery, cancer, diabetes, heart disease, insurance, life settlements, Sleep apnea
A month or so ago I talked about a client of mine who, over the course of 4 years, has been working with me to get his rate down from the very first approval we were able to get through Empire General at a table 8, to a just approved standard plus rate with Banner...
by Ed Hinerman | May 4, 2009 | Banner Life, breast cancer, cancer, diabetes, family history, heart disease, Independent agent, insurance, life insurance, stroke
When I do an on the phone interview with a potential life insurance client I ask a series of medical questions that help me to decide the appropriate rate classification to quote. Part of the application process, whether it is done with your agent or with the examiner...
by Ed Hinerman | May 4, 2009 | A1c, American Diabetes Association, diabetes, Independent agent, insurance, life insurance, Type 2 diabetes
It’s been several months since there was any major movement on the life insurance underwriting scene for those with type 2 diabetes, but a major company today shattered that trend by announcing that are willing to approve at preferred plus rates within certain...
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