by Ed Hinerman | Jun 28, 2013 | insurance, life insurance, life insurance approval, pilot, private pilots
With nearly a quarter of my clients being commercial and private pilots I thought I had worked my way through all of the obvious mistakes in pilot life insurance underwriting, but I missed one this week. In the end no harm, no foul as I can move it to another company...
by Ed Hinerman | Jun 25, 2013 | Active Duty Military Life Insurance, application process, family history, insurance, insurance quotes, life insurance, life insurance approval, Met Life, military
Me pass up an opportunity to question a life insurance company stance at the very core of its’ self proclaimed heart? Not on your life or over my dead body. USAA and MetLife are the self proclaimed most patriotic life insurance companies in the country. They...
by Ed Hinerman | Jun 21, 2013 | application process, approval, bipolar disorder, impaired risk life insurance, insurance, insurance quotes, life insurance
The process is the same for everyone. We finally come to grips with the need for life insurance and whether we call our local State Farm agent or go on line, the next step is to get a quote. I’ll be honest. When I get a quote for anything, construction, dental...
by Ed Hinerman | Jun 13, 2013 | approval, Banner Life, decline, impaired risk life insurance, insurance, life insurance, life insurance approval
Time to play life insurance underwriting, truth or lie? I want to launch into this stating that I don’t advocate lying on life insurance applications for two reasons, well, two main reasons. First, withholding relevant underwriting information if you get away...
by Ed Hinerman | Jun 6, 2013 | approval, death benefit, decline, guaranteed issue life insurance, insurance, life insurance, life insurance approval
Unlike Obamacare’s fines, er, taxes, er penalties, there is no penalty for not having life insurance while you’re alive and if you believe that once the lights go out you’re done, there’s no reason to worry about after your death. The risk...
by Ed Hinerman | Jun 6, 2013 | application process, approval, BMI, final expense life insurance, guaranteed issue life insurance, impaired risk life insurance, insurance, life insurance, life insurance approval, no exam
Allow me to blow right by all of the internet clutter of $12 a month for $500,000 of life insurance. There is no question that those are low rates even though they are enticing unknowing young clients with prices for 10 year term insurance, a completely inappropriate...
by Ed Hinerman | Jun 4, 2013 | approval, bipolar disorder, insurance, life insurance, life insurance approval, Type 1 diabetes
Years ago I put out lists of criteria for different life insurance impairments, lists that were designed as a template, as guidelines for what it takes to get approved by the more progressive impaired risk life insurance companies. What I’ve found is that it...
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