by Ed Hinerman | Mar 8, 2010 | insurance, life insurance, term insurance, whole life
Clients being ever vigilant for the fine print or hidden costs occasionally ask how I get paid. The core of the question for them is, of course, any additional cost they might incur above and beyond the premium. How do life insurance agents get paid? This isn’t a...
by Ed Hinerman | Mar 5, 2010 | insurance, life insurance, mortality, mortality risk
If there is a common thread through the whole life insurance application/underwriting experience, it’s that those applying tend to underplay their mortality while feeling like underwriters really overplay the whole mortality thing. Life insurance pricing and...
by Ed Hinerman | Mar 4, 2010 | Anxiety, insurance, life insurance
Depression is one of those life insurance issues I’ve been hearing about forever. Anxiety, on the other hand, was something I rarely heard about 10 years ago and today it seems anxiety treatment is almost as common as cholesterol treatment. I think I get that....
by Ed Hinerman | Mar 3, 2010 | insurance, life insurance, term insurance
A year and a half ago when everyone’s 401k’s had suddenly turned into 201k’s I threw out the suggestion that people buy 10 year term insurance as a way to kind of fill the bucket back up until things recovered. Now true, it wasn’t an idea to...
by Ed Hinerman | Mar 2, 2010 | cholesterol, conversion, insurance, life insurance
Of course that questions begs another question. Has common sense ever been a standard of life insurance underwriting? The real answer is yes. Absolutely yes. Before the big changes that came with the shrinking number of reinsurance companies and before we were...
by Ed Hinerman | Mar 1, 2010 | beneficiary, insurance, life insurance
After some discussion with a client today I thought it was worth expanding the conversation. He had submitted an application for life insurance showing his wife and his two daughters, ages 1 and 3, as equal primary beneficiaries of a $1,000,000 policy. His logic was...
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