by Ed Hinerman | Jan 30, 2015 | A1c, approval, compliance, coronary artery disease (CAD), diabetes, gastric bypass, insurance, life insurance, life insurance approval, life insurance underwriting, over 50 life insurance, Type 2 diabetes
That phrase is usually followed by a conversation that you may end up feeling you really didn’t need to have, but I’m here with a breath of fresh air, a talk we need to have about how to get better life insurance rates when you have diabetes. Why now? Why...
by Ed Hinerman | Jan 29, 2015 | Anxiety, bipolar disorder, Depression, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
I’ve seen some pretty silly assumptions made by life insurance underwriters in the mood disorder arena, anxiety, ADD, depression, OCD and bipolar disorder. Not that long ago a client came to me after being declined because she took Lamictal for depression....
by Ed Hinerman | Jan 28, 2015 | application process, customer service, honesty, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance approval
The only reason a sane life insurance agent would quote ING Reliastar, aka Reliastar, aka Voya, is compensation. Understand that there are two, sometimes more, levels of compensation that life insurance companies offer. One is called the “street” level...
by Ed Hinerman | Jan 27, 2015 | Anxiety, Depression, impaired risk life insurance, life insurance, life insurance approval
It’s one of those days when a bit of clarification might just go a long ways. I have a couple of clients I am currently working on personal life insurance policies who have mood disorders and came to me looking for the best possible rate in their situation....
by Ed Hinerman | Jan 22, 2015 | angioplasty, coronary artery disease (CAD), diabetes, impaired risk life insurance, insurance, life insurance, life insurance approval
I was going to start this post by saying, “If I was asked what a life insurance underwriter’s job duties are”, and then I decided no one would really ask me that so please allow me to inflict my opinion on you. Life insurance underwriters have to...
by Ed Hinerman | Jan 20, 2015 | business life insurance, buy/sell life insurance, customer service, impaired risk life insurance, Independent agent, insurance, International Business insurance, life insurance, life insurance approval, private pilots
I, we, Hinerman Group, just completed our reunification move to Colorado. Every once in a while I make bad decisions (moving to NM where it rains), but I am more known for my brilliance (coming back to CO where it snows). With that move I am promising more of the same...
by Ed Hinerman | Jan 7, 2015 | beneficiary, cash value, conversion, Conversion to a permanent product, guarantee, guaranteed level premium, indexed universal life, insurance, life insurance, life insurance claim, term insurance
Isn’t it true of everything in our lives if we’re over 50, change is happening and with life insurance the companies are making sure it is “Advantage Company” in their tennis match with customers. Having lost count of the number of life...
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