by Ed Hinerman | Jun 11, 2012 | conversion, guarantee, insurance, life insurance, over 50 life insurance, term insurance, universal life, West Coast Life
I have tried to reach out to all of my clients that have been consumed by Protective Life over the years. Empire General, West Coast Life, Federal Kemper, Zurich Kemper, Chase and on and on to let them know that when Protective Life got all of those term life...
by Ed Hinerman | Jun 6, 2012 | A1c, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes
I’ve talked often about the fact that easily 99% of life insurance companies underwrite by the book, the underwriting manual, and for most of them it hasn’t changed since we only had 49 states. If the word bipolar is on the application you are declined....
by Ed Hinerman | Jun 5, 2012 | diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes
It’s what we’re all looking for, right? The path of least resistance. I know whenever I can I would prefer to do as little as possible and, really, honestly, I would kind of like instant gratification. Hey it leaves more time for the fun stuff. Getting...
by Ed Hinerman | Jun 4, 2012 | Alcohol Treatment Life Insurance, DUI, insurance, life insurance
The rule of thumb for single DUI incidents has always been that you just can’t get new life insurance after a DUI until you’re a year out from your finger missing your nose, your liver functions are normal and there is no history of alcohol abuse. Or at least...
by Ed Hinerman | Jun 1, 2012 | AARP, contestability, contestability period, death benefit, insurance, life insurance, senior life insurance
I’ve minced no words over the years about how bad the AARP/New York Life life insurance program is. It is so egregiously over priced and under guaranteed that I swear, if I got selling it to some elderly person in their home, I could be justifiably locked up....
by Ed Hinerman | May 30, 2012 | approval, bipolar, bipolar disorder, decline, insurance, life insurance
I just want to go on record as saying I don’t write this kind of post to brag. I share these victories occasionally to help keep the hope alive for so many with bipolar disorder or other mood disorders who have been declined or abused with a high rating for no...
by Ed Hinerman | May 30, 2012 | cancer, insurance, insurance quotes, life insurance, prostate cancer, PSA
Either life insurance underwriters aren’t buying into what researchers and doctors are saying about the PSA, prostate specific antigen test, or in the case of one underwriter she’s just believing what he wants to believe to get through this case and not...
by Ed Hinerman | May 24, 2012 | coronary artery disease (CAD), ejection fraction, heart disease, insurance, life insurance, LVEF
I just wrote yesterday about the difference between life insurance underwriters and doctors when it comes to how they view information and another on popped on the scene today that could be an interesting bit of sparring. The question at the center of this is whether...
by Ed Hinerman | May 23, 2012 | abnormal ekg, insurance, life insurance, prostate cancer, PSA
This is one of those days that makes me think about the “Men are from Mars and Women are from Venus” line of thinking. Little did they know when that was written that they would give the planet with water to men!! It could easily be changed to...
by Ed Hinerman | May 21, 2012 | blood pressure, cancer, diabetes, insurance, life insurance, obesity
I know there’s a point where a lot of people won’t even bother looking into life insurance anymore. They figure they’ve messed the picture up bad enough that there really isn’t any need to waste time donating blood and waiting 3 or 4 weeks to...
by Ed Hinerman | May 17, 2012 | heart attack, Independent agent, insurance, life insurance, prostate cancer, PSA
When a life insurance agent presents something to a life insurance customer as a fact, customers generally believe it to be a fact and make their future plans accordingly. The believe life insurance agents are honest and knowledgeable and depend on their advice and...
by Ed Hinerman | May 16, 2012 | Dave Ramsey, Depression, insurance, life insurance, Sleep apnea
I am about to go off on Selectquote again but let me show you the new kinder, gentler side of my opinionated self. Selectquote handles, from what I’ve heard, about 100,000 applications a year. They’ve been the king of the hill for quite a while so that...
by Ed Hinerman | May 15, 2012 | children's life insurance, insurance, life insurance, private pilots, senior life insurance
I’ve talked about life insurance from one end of life to another, from insurance for children to senior life insurance. The one common denominator is that if someone doesn’t take any action to put life insurance in force there is absolutely no way their...
by Ed Hinerman | May 14, 2012 | contestability, death benefit, insurance, life insurance
There is probably no more misunderstood part of a life insurance policy than the contestability or incontestability period. This is the two year period beginning with the date the policy goes in force during which a company can review the underwriting and pull...
by Ed Hinerman | May 10, 2012 | Independent agent, insurance, insurance quotes, life insurance
Some years ago, like 7 or 8 years, I tried doing some on line trading of stocks. After a couple of months it was obvious I was horrible at it so I hung up my trading software and haven’t been back. To this day I still get calls from stock brokers who always...
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