by Ed Hinerman | Jan 29, 2014 | application process, approval, business life insurance, death benefit, estate taxes, executives, high net worth, insurable interest, insurance, life insurance
You can figure I would take off on a subject like this because of some recent interaction with a life insurance underwriter who obviously has a desk somewhere out in left field, but the truth is there is never any shortage of questions that are completely irrelevant...
by Ed Hinerman | Jan 23, 2014 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance claim
I was running life insurance quotes for a client who is HIV positive yesterday. We went through all the questions about when he was diagnosed, the RNA and CD4 levels when he was diagnosed and the fact that his viral load has been undetectable since starting on...
by Ed Hinerman | Jan 16, 2014 | approval, cigar smokers, e-cigarette life insurance, insurance, life insurance, life insurance approval, smoking
There is probably no worse platform to jump off of than answering the first page question on a life insurance application about whether you use tobacco or nicotine products, if you do. While I’ll get to some exceptions to the rule in a minute, with almost every...
by Ed Hinerman | Jan 10, 2014 | bipolar disorder, disability, disability income, insurance, life insurance
I don’t think it’s any secret that there are some things about our country, and please don’t think I don’t love and wouldn’t defend the USA, that just bug me to tears. I had a call from the wife of a disabled veteran today who wanted life...
by Ed Hinerman | Jan 2, 2014 | contestability, contestability period, disability income, foreign travel, insurance, life insurance, life insurance claim
I am currently working with the CEO, President and Vice president of a company that has turned global in nature. They currently qualify for disability income insurance based on their past and planned business travel, but are concerned that the limitations set to...
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