by Ed Hinerman | Feb 26, 2015 | application process, blood pressure, compliance, cpap, decline, high blood pressure, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting, Sleep apnea
If 60 Minutes was doing a segment on life insurance applications and how underwriters interpret your medical records they would have to focus on one of the biggest stumbling blocks, doctor’s recommendations for testing. To be fair, there wasn’t any life...
by Ed Hinerman | Feb 17, 2015 | customer service, death benefit, honesty, insurance, insurance quotes, life insurance, term insurance, whole life
It’s been interesting over the years to see the amount of money that is thrown away because a life insurance client, not knowing any better, simply buys from the wrong company. When you couple that with the agents, especially in impaired risk life insurance, who...
by Ed Hinerman | Feb 12, 2015 | application process, approval, business life insurance, cancer, contestability, customer service, death benefit, estate tax attorney, estate taxes, grace period, insurance, life insurance, life insurance lapse, life insurance second addressee, loyal customers, no lapse guarantee
I just got off the phone with a guy who missed the end of the grace period on his $1 million life insurance policy by 3 days. He called and asked for forgiveness and was told that he could fill out a reinstatement application and, if approved, the policy would be...
by Ed Hinerman | Feb 11, 2015 | assumptions, business life insurance, insurance, life insurance
Having just moved from New Mexico back to Colorado and having moved all of my life insurance business phone and internet services I feel compelled, while on hold with Century Link account representative Jose AB01112, to say that corporate America might as well be...
by Ed Hinerman | Feb 9, 2015 | abnormal ekg, abnormal labs, arrythmia, atrial fibrillation, bait and switch, impaired risk life insurance, indexed universal life, insurance quotes, life insurance, life insurance approval, life insurance underwriting
The other guys! That would be most agents and agencies out there who aren’t inclined to ask you to do homework before they provide a life insurance quote, but here’s the deal, if they provide you a quote at all it won’t be as accurate as mine almost...
by Ed Hinerman | Feb 4, 2015 | Burial insurance, children's life insurance, conversion, insurance, life insurance, term insurance, Type 1 diabetes, whole life
There are really only two reasons to consider life insurance for your children. One would be if a low cost burial policy, as much as most parents would rather not think about that, is easier to manage than actually coming up with burial costs out of pocket rather than...
by Ed Hinerman | Feb 4, 2015 | application process, approval, bait and switch, Independent agent, insurance, insurance quotes, life insurance, life insurance approval
I just got a heads up that Transamerica Life will be releasing an order tomorrow to withdraw its’ TransAce no lapse guarantee UL from it’s portfolio effective immediately. It’s unusual for a life insurance company to pull a product immediately, but...
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