by Ed Hinerman | Mar 31, 2012 | death benefit, insurance, life insurance, life insurance claim, pilot, private pilots
I had an interesting email question yesterday concerning whether or not there is a time limit on filing a claim for life insurance. There are plenty of stories out there about old stock being found and old life insurance policies turning up. In this case the son who...
by Ed Hinerman | Mar 30, 2012 | Attention Deficit Disorder, bipolar disorder, cancer, coronary artery disease (CAD), cpap, impaired risk life insurance, insurance, life insurance, melanoma, over 50 life insurance
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval...
by Ed Hinerman | Mar 30, 2012 | cancer, children's life insurance, impaired risk life insurance, insurance, life insurance, mortality, Type 1 diabetes
Being primarily a health risk life insurance agent I get to talk to a lot of people about diseases and problems they didn’t have even just a few years prior. Especially guys have this bombproof thing going on where they truly believe as long as they work hard...
by Ed Hinerman | Mar 27, 2012 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, over 50 life insurance
Let me preface this by saying that I take Prozac for situational depression. The situation doesn’t exist anymore but the feelings were so bad that I continue to take the Prozac. I don’t want to quit and find out that the horrible way I felt was just...
by Ed Hinerman | Mar 24, 2012 | Active Duty Military Life Insurance, children's life insurance, conversion, insurance, Juvenile life insurance, life insurance
I went to war with the life insurance industry several years ago over the issue of children with impairments not having access to coverage, even at a higher rate than the standard rate they offer perfectly healthy kids. The issue came up when I shopped for life...
by Ed Hinerman | Mar 22, 2012 | insurance, life insurance, over 50 life insurance, senior life insurance
I turned 59 the other day and boy am I glad I already have my life insurance in force. I’ve heard that life insurance over 60 really takes a huge jump. But wait, I heard the same thing about over 50 life insurance and that wasn’t exactly true. The absolute...
by Ed Hinerman | Mar 19, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, foreign travel, insurance, insurance quotes, life insurance
With the amount of business rolling in for people working in AFghanistan and Iraq as civilian contractors it seemed an appropriate time to take a look at some of the other worldwide dangerous occupations where people are not going to find off the shelf accidental...
by Ed Hinerman | Mar 15, 2012 | application process, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance
I’ve been working on a life insurance case that was recently approved. The client let me know that he had applied through another agent before he found my blog and decided to give me a shot. I am always certain that I’ve quoted the best price available so...
by Ed Hinerman | Mar 8, 2012 | estate tax attorney, estate taxes, financial adviser, insurance, life insurance, term insurance
What do estate tax attorneys and financial planners have in common? Short,fat and bald? Maybe but not the answer I’m alluding to. They’re both working to keep the money you make in your family! Another good answer but still not quite where I was headed....
by Ed Hinerman | Mar 6, 2012 | accidental death, Active Duty Military Life Insurance, foreign travel, High Limit AD and D, insurance, life insurance, missionaries, professional car racing
We’ve talked a lot over the years about exclusions in life insurance policies. There’s the dark side which is mostly urban legend. The cases we’ve all heard about where, a claim is denied because a person died in a car accident after suffering a...
by Ed Hinerman | Mar 3, 2012 | customer service, impaired risk life insurance, insurance quotes, life insurance, Telelife
There is an application process in the life insurance industry called “Telelife”. It’s only offered by a few companies. It was first put in place about 15 years ago by the then Federal Kemper Life. At the time I worked for Eterm.com and we were told...
by Ed Hinerman | Mar 1, 2012 | application process, insurance, life insurance, term insurance
Our office has always been about getting the job done for our life insurance clients and getting a policy in force as soon as possible. I could probably be labeled a little obsessive compulsive about the application process, but I believe my logic is sound....
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