by Ed Hinerman | Dec 26, 2013 | bipolar, bipolar disorder, CEO life insurance, insurance, insurance quotes, life insurance, life insurance approval
If being approved for life insurance was guaranteed then there would be no need for independent life insurance agents that specialize in impaired risk underwriting and know how to pick up the pieces after an underwriting train wreck and get things back on track. The...
by Ed Hinerman | Dec 19, 2013 | business life insurance, insurable interest, insurance, key man insurance, life insurance
Having served on a town council in the past, my opinion is the more the municipality is treated as a business the better it works for everyone involved. From where I sit today I can see instance after instance where the lack of planning for a small expenditure, key...
by Ed Hinerman | Dec 12, 2013 | approval, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, decline, insurance, International Business insurance, life insurance, life insurance approval
It’s been amazing when I put the word out that I could business life insurance in tough situations quickly to see how many professionals I’ve been able to help when they are truly in a jam. The scenario usually goes something like one of these, 1. A...
by Ed Hinerman | Dec 10, 2013 | Alcohol Treatment Life Insurance, approval, CEO life insurance, impaired risk life insurance, insurance, insurance quotes, life insurance, life insurance approval, life insurance underwriting
One of those set in stone rules that we have lived with for years in life insurance underwriting just got a new look and possibly a question that may not make the answer as black and white as most underwriters would like it to be. I am currently shopping a case where...
by Ed Hinerman | Dec 5, 2013 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
Feeling a little blindsided right now. I tread very carefully when it comes to any dramatic change in underwriting and as I’ve outlined in numerous posts, just recently two companies approached me saying that they were willing to underwrite HIV positive up to...
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