by Ed Hinerman | Mar 24, 2014 | conversion, Conversion to a permanent product, guaranteed level premium, insurance, life insurance, Protective Life
Ah, the good old days. There used to be this group of impaired risk life insurance companies that because of innovative products and underwriting that was just years ahead of everyone, stood out and won or earned tons of business from life insurance agents whose...
by Ed Hinerman | Mar 21, 2014 | application process, approval, customer service, decline, HIV life insurance, impaired risk life insurance, insurance, life insurance, life insurance approval
While I don’t imagine that life insurance agents are any worse than the general population, my God what is happening to our country when money has become more important than doing the right thing? There is this presumptuous attitude that if money can’t be...
by Ed Hinerman | Mar 20, 2014 | life insurance
There is always a sense of loss, even despair when you lose someone you love and has given their full love to you for a long time. This may seem trivial to those who don’t know me, but last night my dog, Rio, died. He was 12 1/2 and for all of that time never...
by Ed Hinerman | Mar 19, 2014 | Alcohol Treatment Life Insurance, CDT alcohol marker, decline, doctor's recommendation, executives, honesty, insurance, life insurance, liver functions, mortality risk
I may have just uncovered some of the mystery surrounding the dreaded life insurance lab result call the CDT, an easy way to refer to Carbohydrate Deficient Transferrin. It’s what is know in life insurance as an alcohol marker. This test, when abnormal, is...
by Ed Hinerman | Mar 13, 2014 | application process, approval, business life insurance, cash value, CEO life insurance, disability income, DUI, executives, High Limit AD and D, key man insurance, life insurance, life insurance approval, over 50 life insurance
The CEO or President of a company, other than having more responsibility than most, is just like everyone else in this great country of ours. When it comes to life insurance they are subject to the same unscrupulous or poorly equipped life insurance agents and...
by Ed Hinerman | Mar 7, 2014 | Biggest Loser, BMI, build, doctor's recommendation, gastric bypass, impaired risk life insurance, insurance, life insurance, life insurance approval
As life insurance companies have turned in the direction of more conservative underwriting of build (height, weight, bmi), the last 10 years has seen them really embrace weight loss surgery for the morbidly obese. That sure wasn’t always the case with gastric...
by Ed Hinerman | Mar 4, 2014 | application process, approval, customer service, impaired risk life insurance, insurance, life insurance
How One Life Insurance Agent Made Over $250,000!!!!!!! There isn’t an hour that goes by that I don’t receive a phone call or an email that starts out with a statement like that. It’s, of course, some life insurance company’s way of trying to...
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