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 | Jan 13, 2013 | AARP, beneficiary, compliance, contestability, insurance, life insurance, life insurance claim, life insurance claim process, New York Life, over 50 life insurance
I’ve decided, for the sake of us elderly folks and all of us who are related to elderly folks and anyone who gives a damn about treating people right, to get off the fence and say what I really think about AARP and their New York Life insurance plan. For those...
by Ed Hinerman | Nov 19, 2012 | compliance, insurance, insurance quotes, life insurance, life insurance approval, mortality, mortality risk
This is one of these subjects that goes in several directions. Your doctor’s opinion can help you get the best possible life insurance rate. It can also bring your life insurance application to a screeching halt and if it ever comes down to who is right, the...
by Ed Hinerman | Oct 18, 2012 | AARP, Burial insurance, compliance, final expense life insurance, financial adviser, guarantee, guaranteed level premium, insurance, life insurance, universal life
Everyone wants a deal. My wife never buys anything without throwing out the Dave Ramsey line, “Is that the best you can do?”, and I am amazed at how much and where she gets discounts. Too bad Dave has never asked his own life insurance agent that, but...
by Ed Hinerman | Oct 9, 2012 | compliance, doctor's recommendation, insurance, life insurance
There is, especially in impaired risk life insurance, frequently a disagreement between clients and their doctors as to whether or not a condition or illness actually exists and almost always some contention over the severity or the treatment. Life insurance...
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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