by Ed Hinerman | Oct 12, 2011 | blood pressure, cholesterol, insurance, life insurance
It’s been a long time since most insurance made any kind of fuss over being treated for cholesterol. As long as it was well controlled you could count on best rate class approvals. Now companies have jumped on the cholesterol ratio band wagon and are allowing...
by Ed Hinerman | Oct 11, 2011 | estate taxes, insurance, life insurance
I know we’re American and believe that we not only ought to have our cake and eat it too, but it’s time the breadwinners of the country get a grip and allow that things don’t always go our way. I’ve talked before about what constitutes a need...
by Ed Hinerman | Oct 10, 2011 | foreign nationals, insurance, life insurance
I’ve been talking quite a bit about US life insurance for foreign nationals lately. Without fail when I start working in a new niche and put it out there on this blog, it gets misinterpreted by a few. I had a call this morning from a woman in Florida who wanted...
by Ed Hinerman | Oct 10, 2011 | business life insurance, insurance, key man insurance, life insurance, over 50 life insurance, prostate cancer
I have, over the years, made it quite clear that there are distinct advantages to buying life insurance when you are young and healthy. It’s not that over 50 life insurance suddenly becomes horribly difficult to obtain. for most of us it is just more expensive...
by Ed Hinerman | Oct 5, 2011 | foreign nationals, insurance, International Business insurance, life insurance
With the ability I discussed yesterday to write foreign nationals through US life insurance companies, there is now an opportunity to consolidate and save money in international business partnerships that should have business buy/sell agreements. I am currently...
by Ed Hinerman | Oct 4, 2011 | foreign nationals, insurance, life insurance, prostate cancer
In a recent post I shared a bit of a life insurance home run when I was able to get a great offer on a Jamaican citizen with a prostate cancer history. I have since had meetings with one of the major life insurance carriers just to see how much latitude they will...
by Ed Hinerman | Oct 4, 2011 | American Diabetes Association, diabetes, insurance, life insurance
When I think of what I would want from the American Diabetes Association as a person with diabetes, I’m left wondering if they are anywhere near the advocacy group they claim they are. I go to their website and the first and most prevalent topic I find is how to...
by Ed Hinerman | Oct 1, 2011 | blood pressure, bypass surgery, cancer, insurance, life insurance
Allow me one more time to bemoan the good old days when US Financial Life Insurance was still roaming the earth. They doled out good news in life insurance underwriting in their short life span than any other company around. It was called clinical underwriting. Just...
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