by Ed Hinerman | Feb 15, 2010 | bypass surgery, insurance, life insurance
No, I’m not getting into pet insurance, but I would like to talk about the lack of curiosity people have about their own health. From the simplest of things Americans start out with failing grades, possibly because it’s not taught in schools or possibly...
by Ed Hinerman | Feb 12, 2010 | insurance, life insurance, term insurance
I don’t think I’m suffering from the delusion that everyone has vast amounts of left over money they can buy life insurance with. I know that my left over money is far from vast, and probably better characterized as sporadic, but my life insurance is...
by Ed Hinerman | Feb 11, 2010 | insurance, life insurance
For those of us that have been in the life insurance business a while we have been going through an unprecedented period of change and adjustment for the last three years. For those who bought insurance prior to that and are trying to get more or replace your old...
by Ed Hinerman | Feb 10, 2010 | insurance, life insurance
I’ve certainly made no secret of my opinion of premium financing and investor owned life insurance. Personally I think the practices jump from one gray area to another just fast enough that no one can nail it down and say, whoa. Until you involve T Boone...
by Ed Hinerman | Feb 9, 2010 | guarantee, insurance, life insurance, term insurance
Life insurance companies, even highly rated companies, come and go. While some sell their blocks of business because they’re not competitive anymore, many decide to sell because another company offers them a huge amount of money. Protective Life made the board...
by Ed Hinerman | Feb 8, 2010 | insurance, life insurance, term insurance
Wouldn’t it be great if everything always went as planned? You determine how much life insurance you want. You figure out how long you need it for and you set a budget based on what you believe it will cost. Check, check and check! But what do you do when things...
by Ed Hinerman | Feb 6, 2010 | bipolar, bipolar disorder, insurance, life insurance
I was involved in an exchange on the Bipolar Disorder Forum of eHealthforum not too long ago. A person had been declined for life insurance and wanted to know if anyone knew the way out of the jungle. The person asking for help had been declined for life insurance...
by Ed Hinerman | Feb 5, 2010 | insurance, life insurance, universal life, whole life
I just got my new issue of Insurancenewsnet magazine, one of those industry publications that occasionally has some very good information and occasionally has some of the most lop sided, half truthed articles you can imagine. Obviously I wouldn’t have brought it...
by Ed Hinerman | Feb 5, 2010 | insurance, life insurance, private pilots, Sleep apnea
There is a tendency for people to just hold on to life insurance once it is in force, even when opportunities to improve on the rate or the term length come up. Most often this happens when their isn’t a servicing agent around to find the better deals and...
by Ed Hinerman | Feb 4, 2010 | insurance, life insurance, Sleep apnea
We’ve leaned on Prudential for quite some time for the best underwriting on sleep apnea. Now ING Reliastar has decided they want a piece of that risk pool also. Generally most companies will underwrite mild to moderate obstructive sleep apnea in the standard to...
by Ed Hinerman | Feb 4, 2010 | insurance, life insurance, universal life, whole life
In working with a planned giving department of a major university on their life insurance program, I advised their lead attorney that a critical place for them to start is a complete review of the insurance policies that are already on the books. I’ve screamed...
by Ed Hinerman | Feb 3, 2010 | insurance, life insurance, mortality risk
Understand that there isn’t anything I like about investor owned life insurance. Now matter how you sugar coat it someone or some institution with a profit margin has a vested interest, not in my life but in my death. That’s just creepy. My nephew came to...
by Ed Hinerman | Feb 2, 2010 | insurance, life insurance
Sometimes I get the sense that doctors are very careful about making their patients uneasy for fear they will run off and get a second opinion and forget to pay for the first one. I have a client who had an echocardiogram last year and one of the results that was...
by Ed Hinerman | Feb 1, 2010 | family history, heart attack, insurance, life insurance
Family history is one of those issues that just isn’t much fun to explain and frankly, from a life insurance underwriting standpoint, is a little hard to make a mortality risk case for more often than not. Now I’ll give the actuaries the benefit of the...
by Ed Hinerman | Feb 1, 2010 | insurance, life insurance, private pilots
As noted last week a major A+ rated life insurance company has broken into uncharted waters by offering preferred plus (best rate class) rates for private pilots that are not instrument rated. And that’s just the tip of the good news iceberg. It gets even better...
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