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...
by Ed Hinerman | Feb 26, 2010 | heart disease, insurance, life insurance
I’m always on the hunt for innovative underwriting. I like to find those nuggets when a company finally has an “aha” moment and decides that, for instance, maybe there’s some slack that can be applied to family history without risking the risk...
by Ed Hinerman | Feb 24, 2010 | bipolar, bipolar disorder, decline, insurance, life insurance
So you just got declined for life insurance and you’ve decided that life insurance companies suck. The truth is you may have just had a goose lay a golden egg for you. So, the good news in a decline? It almost always means that you either had the wrong agent or...
by Ed Hinerman | Feb 24, 2010 | AARP, insurance, life insurance, private pilots
Aircraft Owners and Pilots Association (AOPA) has held themselves out as the private pilot’s friend for a long time, the advocate, the go to organization, the one stop shop for all of your needs. For all I know they may in fact be the shining star they claim to...
by Ed Hinerman | Feb 23, 2010 | insurance, life insurance, term insurance
It’s probably been close to a year since I first mentioned the United of Omaha (Mutual of Omaha) lifestyle crediting program for life insurance underwriting called the Fit test. The Fit test provides the underwriter plenty of ammunition to approve a policy at...
by Ed Hinerman | Feb 23, 2010 | insurance, life insurance, term insurance
Using a LIMRA study of a few years ago, at that point there were tens of millions of Americans that would fit into a category of “needing” life insurance, but didn’t have any. I know I’ve been down this road before, but is there really a case...
by Ed Hinerman | Feb 22, 2010 | diabetes, insurance, life insurance
Just when you think you can count on the life insurance underwriting guidelines, Glaxo SmithKline’s Avandia, becomes a curve ball that no one is sure how to handle. Two US Senators released a confidential study that insinuates a strong link between Avandia and...
by Ed Hinerman | Feb 19, 2010 | heart attack, insurance, life insurance
I know for me that I consider daylight savings time to be a personal attack on my well being, and now there are studies to back it up. There has always been an acknowledged link between sleep deprivation and heart attacks, so it really wasn’t rocket science when...
by Ed Hinerman | Feb 18, 2010 | bipolar disorder, insurance, life insurance
Life insurance is not underwritten based on your take on your health or your mental state. If it was the case, everyone would be approved at preferred plus. We have built a very good reputation over the years for being able to turn declined life insurance applications...
by Ed Hinerman | Feb 17, 2010 | beneficiary, insurance, life insurance
I get one of these calls every month or so. A client can’t remember where they put their life insurance policy. It’s not a huge deal to fix the problem, or at least to get a new policy. The larger problem is that if you can’t find your life insurance...
by Ed Hinerman | Feb 16, 2010 | death benefit, insurance, life insurance
I’m often asked when a policy is declined or highly rated, if it would make a difference if we lowered the face amount of the insurance. In the mind of the consumer is the not so crazy thought that if the life insurance company is exposing itself to less risk...
by Ed Hinerman | Feb 15, 2010 | insurance, life insurance, suicide clause
Winter kill, a term used to describe those wild animals that don’t survive an over harsh winter, or are old and/or weak from disease and succumb to the normal hardship of winter, holds a grip on my life also. About this time of the year, every year, I really...
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