by Ed Hinerman | May 26, 2011 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
There is no lack of bad advice and lame life insurance underwriting when it comes to any of the three types of skin cancer, basal cell carcinoma, squamous cell carcinoma and malignant melanoma. At the core of the confusion seems to be multiple instances of anything....
by Ed Hinerman | May 24, 2011 | insurance, life insurance, skydiving, terrorism, travel insurance
Well, if it’s for the next five minutes you are out of luck, but if it’s for 5 minutes next week you can have your wish. And really I’m not talking about life insurance but rather accidental death insurance. Specifically this comes up when you get a...
by Ed Hinerman | May 13, 2011 | insurance, life insurance, pilot, private pilots
So, a guy decides to learn how to fly. He wants to be a private pilot in the worst way. He signs up for lessons and after all the classroom curriculum is satisfied he and his flight instructor are finally ready to take off for the first flight. Other than the fact...
by Ed Hinerman | May 11, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
When you consider the opposite of stable is unstable it makes it easier to understand why life insurance underwriting uses stability as a benchmark for approval and rates for all mood disorder underwriting. Whether it is depression, anxiety or bipolar disorder life...
by Ed Hinerman | May 9, 2011 | insurance, life insurance, skydiving, terrorism
I was talking to an associate I work with on travel insurance last week and he said that since Bin Laden’s death requests for acts of terrorism life insurance have gone up ten fold. It’s no big surprise I guess that people are concerned about retaliation...
by Ed Hinerman | May 6, 2011 | life insurance, pilot, skydiving, terrorism, travel insurance
I was working with a client who posed some interesting challenges for life insurance underwriting. Although as healthy as an underwriter could hope for, he is a skydiving instructor and also a skydiving jump plane pilot. Either of those, or both of those on a life...
by Ed Hinerman | May 4, 2011 | Dave Ramsey, life insurance, private pilots, term insurance
Dave Ramsey still swears that Zander Insurance is the place to get the best deal on term life insurance. “Use Zander’s online quoting system to search for the most competitive term life insurance plans available”, Dave says. I have a lot of respect...
by Ed Hinerman | May 3, 2011 | conversion, insurance, West Coast Life
After months of debating just how badly West Coast Life was treating its’ long time term insurance customers I was finally told that I wasn’t able to represent them anymore. That was last year. During those months Greg Zabel, some kind of a vice president...
by Ed Hinerman | May 2, 2011 | bipolar, bipolar disorder, insurance, life insurance
I had my memory tested today when I had a call from a man from the town I grew up in. He introduced himself as Howard Johnson which didn’t ring a bell and then he threw out a few more names that didn’t ring a bell. Then he mentioned that he used to be the...
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