by Ed Hinerman | Jul 30, 2015 | claim, insurance, insurance quotes, life insurance
I had a guy in his mid 40’s call me several months ago. His wife had broached the subject of life insurance with him, suggesting correctly that if he were to die unexpectedly she and the kids were going to have a rough time. While he was doing well in his job,...
by Ed Hinerman | Jul 24, 2015 | approval, basal cell carcinoma, family history, Independent agent, insurance, insurance quotes, life insurance, life insurance approval, life insurance underwriting, melanoma, mortality risk, squamous cell carcinoma
Call me naive, but there are almost daily occurrences of me seeing less mortality risk in a life insurance underwriting situation than the majority of underwriters. I get that they are paid to see everything through conservative lenses, but there are times when, to...
by Ed Hinerman | Jul 22, 2015 | application process, approval, budget, children's life insurance, financial adviser, guaranteed level premium, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval, second to die insurance
If all agents and all companies were created equal, well, you might as well get rid of all the agents and created “The Insurance Company”, completely computerized and ready to mistreat everyone on an equal basis. But alas we live in the real world and...
by Ed Hinerman | Jul 13, 2015 | application process, contestability period, death benefit, insurance, life insurance, life insurance claim
You know, I understand how referring someone, even when your experience was just like it should be, can be awkward. First you’ve had a good experience with a life insurance agent, friendly, personable, efficient and professional. You got what you wanted and...
by Ed Hinerman | Jul 8, 2015 | abnormal labs, Hep C Cure, hepatitis, insurance, life insurance, life insurance approval, liver functions
For so long life insurance underwriters have hung their impaired risk opinions on “well controlled” and “stable” that being hit with not just the word, but the reality of the word “cured” is just now starting to get them thinking....
by Ed Hinerman | Jul 6, 2015 | application process, approval, attending physician statement, decline, insurance, insurance quotes, life insurance, Medical Information Bureau, medical record acquisition, medical records life insurance
Update my personal history in your records if you expect me to pay your bill. Yes, I am suggesting yelling at your doctor and yes, they may get all offended by the assertion that they aren’t doing their job, but it’s kind of like the old adage, “How...
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