by Ed Hinerman | Sep 12, 2012 | accidental death, Alcohol Treatment Life Insurance, decline, DUI, insurance, life insurance
There is this perverse notion, an urban legend if you will, that if you get declined for life insurance you become life insurance toast from then on. You might as well buy accidental death insurance and just hope that space junk and not cancer is the cause of your...
by Ed Hinerman | Sep 6, 2012 | insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, PSA
I had mentioned in a post not too long ago about a new test that might negate the need for invasive biopsies when men have a high or elevating PSA. A recent Reuters article kind of hit the nail on the head when it comes to the reliability of the PSA as an indicator of...
by Ed Hinerman | Aug 21, 2012 | application process, approval, insurance, insurance quotes, life insurance, term insurance
So, what happens if the approved life insurance application isn’t at the same rate you were quoted? This happens a lot when you use agents that don’t shop cases before they choose the right company. Less frequently it happens when new information comes up...
by Ed Hinerman | Aug 16, 2012 | application process, insurance, life insurance, liver functions
So, let me catch you up. First you went through finding the right agent because anyone who reads this blog knows that the right agent using the right company equals the right outcome. Then your agent got down and personal and used that information to informally shop...
by Ed Hinerman | Aug 13, 2012 | application process, insurance, insurance quotes, life insurance, life insurance approval
Now we’re rolling. Just because I’ve used two posts getting to the actual life insurance application and life insurance exam is not indicative of how long the process takes. Again, as promised, at the end of this series I will give a breakdown of the...
by Ed Hinerman | Aug 7, 2012 | application process, approval, conversion, guaranteed level premium, insurance, insurance quotes, life insurance, life insurance approval
I’m going to make this life insurance application process seem a bit lengthy and cumbersome in explaining it, but be assured right up front that the process is neither of those if you just take some of these suggestions to heart and work right through it. In...
by Ed Hinerman | Aug 6, 2012 | application process, insurance, insurance quotes, life insurance, life insurance approval
Applying for life insurance is one of those things in life where you really have some control over what it feels like, how long it takes and how it ends. It is, in that respect, somewhat the polar opposite of applying for a passport. My memory of that was that once...
by Ed Hinerman | Aug 2, 2012 | basal cell carcinoma, breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer, squamous cell carcinoma
OK. I made it up just to get your attention. No, seriously. Companies are just blowing me away with the offers and approvals they are giving on low stage and grade cancers. In this case I have a company approving a policy at preferred 3 months after a melanoma was...
by Ed Hinerman | Aug 1, 2012 | insurance, life insurance, Medical Information Bureau, smoking
Second only to life insurance agents for being blasphemed by the life insurance buying public is the Medical Information Bureau, or MIB. The MIB is a super warehouse of health and lifestyle information gathered from life insurance applications as they are processed by...
by Ed Hinerman | Jul 31, 2012 | impaired risk life insurance, Independent agent, insurance, life insurance, pilot, private pilots, professional car racing
I’ve been working some particularly tough impaired risk life insurance cases lately and it really drove it home to me that if a person with higher risk life insurance impairment is using an agent who only represents one or two or three companies, they have...
by Ed Hinerman | Jul 30, 2012 | accidental death, climbing, life insurance, mountain climbing
Ahh, the dangerous hobby thing. When I was in my 20’s and 30’s and a bit into my 40’s and 50’s, we rock climbed, bouldered, and mountain climbed, rappelled off of anything that our rope would reach most of the way down and even did a Tyrolean...
by Ed Hinerman | Jul 28, 2012 | breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer
This last year has been full of life insurance underwriting break throughs from major companies, especially in the area of cancer. In previous posts I’ve talked about the logic of this being tied to earlier detection and much better treatment options than have...
by Ed Hinerman | Jul 26, 2012 | decline, insurance, life insurance, Medical Information Bureau
I am currently working with a life insurance client who has yet to give me his real last name because he is so concerned that information he provided me just to shop his case will end up in MIB and ruin forever his reputation and chances of getting a fair shake at...
by Ed Hinerman | Jul 23, 2012 | blood pressure, cholesterol, insurance, life insurance, life insurance approval, term insurance
The general public believes they have it figured out and that after age 50 life insurance prices take an astronomical leap into a realm delegated only to those with so little time left that express applications start to take on some real importance. To lend some...
by Ed Hinerman | Jul 18, 2012 | conversion, illustration, Independent agent, insurance, life insurance, universal life
As promised in my last post this is a letter written by a 79 year old man in Ohio to the state insurance commissioner. He was sold a conversion on a term policy 10 years ago and was told by the agent that it would be a paid up, guaranteed in force forever policy, in...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments