The definition couldn't be much simpler. Guaranteed issue is a life insurance policy that the company guarantees it will issue and put in force no matter what health conditions you have. Some guaranteed issue life insurance companies have age limitations. Most use 40...
Was That An Accident?
At first thought, accidental death insurance seems quite simplistic and obvious without the need for much explanation. But you know me. Why let something obvious go without an explanation. You might be surprised at the number of inquiries I get asking what...Foreign National View Of Obamascare!
Do we really want to even throw that question out there? How about we test out a few facts, throw some perspective on it and see how many of us want to move? The US spends more on health care than any other developed country….with worse outcomes! Well OK, but...AARP And Foresters Are Second Cousins!
I’ve been careful about life insurance claim abuse cases I’ll help with only because, in most cases, the state insurance commissions are very good at putting things back on track and getting valid claims paid. But occasionally it will be...AARP/New York Life Customer Service Non Existent
Here we go again. I called New York Life this morning to see if I could be assigned a permanent contact to call when beneficiaries are getting the run around on death claims. I ended up talking to the executive assistant for NYL Executive Vice President Michael...Is Your Afghanistan Life Insurance Going To Pay?
I took a call this morning that popped up a question for civilian contractors and workers in war zones that I had honestly not considered. The call was from a widow whose husband worked for a US company in Afghanistan and died while working there about six months ago...Ex Patriot Or International Term Life Insurance!
I’ve brought this up in the past in response to a very real need with missionaries. Traditional life insurance isn’t horribly friendly to folks doing mission work outside of the country, a knee jerk reaction to the fact that there are some places in the...Declined Life Insurance Doesn’t Lead To More Declined Life Insurance!
There is this perverse notion, an urban legend if you will, that if you get declined for life insurance you become life insurance toast from then on. You might as well buy accidental death insurance and just hope that space junk and not cancer is the cause of your...Does Life Insurance Treat All Mountain Climbing Equally?
Ahh, the dangerous hobby thing. When I was in my 20’s and 30’s and a bit into my 40’s and 50’s, we rock climbed, bouldered, and mountain climbed, rappelled off of anything that our rope would reach most of the way down and even did a Tyrolean...How Many Die Every Day Without Life Insurance?
According to the US Census bureau about 2.5 million people die every year in the United States. That’s from all causes and all ages. Assuming all days are equal that means that about 6850 people die every day in our country. This is going to get a little deep...That Stranger Than Fiction Side Of Life Insurance Companies!
A colleague and I were bemoaning some of stranger than fiction nonsense that life insurance companies come up with. They always tout these things as the newest innovation to speed up underwriting, the best product idea since sliced bread, or they just leave it out...Life Insurance For Crab, Lobster And Long Line Fishing!
It occurred to me as I was writing insurance on a civilian contractor working at a forward operating base in Afghanistan a few weeks ago that, that there must be others just like them. There must be other groups of people who could benefit from affordable dangerous...Insurance For War Zones And Other Dangerous Places!
With the amount of business rolling in for people working in AFghanistan and Iraq as civilian contractors it seemed an appropriate time to take a look at some of the other worldwide dangerous occupations where people are not going to find off the shelf accidental...A Refreshing Look At Exclusions In Life Insurance!
We’ve talked a lot over the years about exclusions in life insurance policies. There’s the dark side which is mostly urban legend. The cases we’ve all heard about where, a claim is denied because a person died in a car accident after suffering a...Don’t Buy New Life Insurance When You Don’t Need To!
I know there are agents that giggle all the way to the bank when they get an opportunity to sell a new policy and replace someone’s existing insurance, even though the existing insurance is still good for the client. I’ve had a lot of clients, or would be...The Hinerman Group
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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