by Ed Hinerman | Oct 5, 2016 | contestability, contestability period, life insurance, life insurance claim
If you ask most people if there is going to be a fight that ensues when they file a claim for life insurance, they would say that the chances of coming out unscathed with the money is slim to none. This is a case of a few cases driving the majority of opinions, often...
by Ed Hinerman | Jul 30, 2016 | application process, cancer, claim, contestability, contestability period, death benefit, grace period, heart attack, incontestability, insurance, life insurance
Part of being in the life insurance business, neck deep as I am, is the fact that sooner or later there are claims. If a life insurance agent sells a lot of products and a few of those are life insurance policies they might retire with only a claim or two to walk...
by Ed Hinerman | Jul 11, 2016 | application process, business life insurance, CEO life insurance, cognitive understanding, contestability period, contractual understanding, insurable interest, insurance, life insurance
Over the years I’ve run into plenty of families who only wished their mom or dad still understood and qualified for life insurance. It would likely be a blessing to the family to have it in force, but there’s a point where the family has to admit they’ve missed that...
by Ed Hinerman | Nov 6, 2015 | application process, approval, beneficiary, bipolar disorder, budget, cash value, contestability, contestability period, insurance, life insurance, life insurance replacement, replacement
As I was filling out an obnoxiously lengthy New York life insurance replacement form yesterday it occurred to me that replacement, the idea of getting rid of a current policy and replacing it with a new policy has kind of gotten one of those back alley bad raps. State...
by Ed Hinerman | Oct 14, 2015 | approval, bipolar disorder, contestability period, death benefit, foreign travel, insurance, life insurance, life insurance approval, private pilots
I would never encourage a client to fudge on a life insurance application question, or even kind of skirt around an issue for the sake of getting approved. It’s an open invitation to having a death benefit successfully contested. Honesty is simply and completely...
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 | Jun 25, 2015 | claim, contestability period, customer service, death benefit, insurance, life insurance, life insurance claim
For all of you out there who long since lost track of your life insurance agent and are filing a claim on your own, let me start by expressing my sincere condolences. That is exactly how the process will start when you call the company to start the process and you...
by Ed Hinerman | Jan 2, 2014 | contestability, contestability period, disability income, foreign travel, insurance, life insurance, life insurance claim
I am currently working with the CEO, President and Vice president of a company that has turned global in nature. They currently qualify for disability income insurance based on their past and planned business travel, but are concerned that the limitations set to...
by Ed Hinerman | May 23, 2013 | approval, contestability period, decline, insurance, life insurance
I just got off the phone with a 71 year old gentleman that called because he agreed with some post I had written about final expense life insurance companies. He said his only health issue was well controlled blood pressure and, oh yah, he was about 50 pounds...
by Ed Hinerman | Dec 26, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, contestability period, dangerous occupation life insurance, death benefit, group life insurance, insurance, life insurance, Lloyds of London
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...
by Ed Hinerman | Jun 22, 2012 | AARP, beneficiary, cancer, contestability, contestability period, death benefit, insurance, life insurance, New York Life
Can you imagine how bored I would get if I couldn’t count on AARP to provide blog material on an absolutely continuous, unending basis? After all of the really awful things I’ve had to say about the AARP/New York Life insurance program over the years, my...
by Ed Hinerman | Jun 1, 2012 | AARP, contestability, contestability period, death benefit, insurance, life insurance, senior life insurance
I’ve minced no words over the years about how bad the AARP/New York Life life insurance program is. It is so egregiously over priced and under guaranteed that I swear, if I got selling it to some elderly person in their home, I could be justifiably locked up....
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