by Ed Hinerman | Apr 5, 2013 | Alcohol Treatment Life Insurance, application process, approval, budget, compliance, decline, impaired risk life insurance, Independent agent, insurance, life insurance
Because of the nature of impaired risk life insurance, many of my clients start out just hoping for an approval (usually after several declines), but they soon find out that approval isn’t my end game. I don’t just want declines turned into approvals. I...
by Ed Hinerman | Nov 7, 2012 | budget, cash value, high net worth, indixed universal life, insurance, life insurance, no lapse guarantee, rate increase, universal life, variable universal life, whole life
Whether there is anything to the Mayan calendar that predicts the end of the world next month or not, there is one thing that is an absolute life insurance fact. Because of actions by the NAIC, National Association of Insurance Commissioners, with the strict...
by Ed Hinerman | Dec 13, 2011 | A1c, budget, diabetes, insurance, life insurance
I got an email from some clients a few days ago. In spite of their best efforts their small business had fallen off so badly a few years ago that the husband made the decision to let the life insurance they had in force lapse. I’ve been staying in touch waiting...
by Ed Hinerman | Nov 25, 2011 | budget, Independent agent, International Business insurance, life insurance
I subscribe to and have written several articles for InsuranceNewsNet magazine, a trade publication that frequently has useful product information in it. When I wrote this in 2011 InsuanceNewsNet did offer useful product information. In 2019 it seems to have bent to...
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