by Ed Hinerman | Nov 1, 2014 | Alcohol Treatment Life Insurance, approval, Drug Treatment Life Insurance, DUI, high net worth, impaired risk life insurance, insurance, life insurance, life insurance approval, physicians life insurance
I can tell you without hesitating that I wouldn’t be in the life insurance business if I was just churning out easy business and that isn’t to say I couldn’t make good money doing it. It is the challenges of working with underwriters to find a way to...
by Ed Hinerman | Mar 13, 2014 | application process, approval, business life insurance, cash value, CEO life insurance, disability income, DUI, executives, High Limit AD and D, key man insurance, life insurance, life insurance approval, over 50 life insurance
The CEO or President of a company, other than having more responsibility than most, is just like everyone else in this great country of ours. When it comes to life insurance they are subject to the same unscrupulous or poorly equipped life insurance agents and...
by Ed Hinerman | Sep 12, 2012 | accidental death, Alcohol Treatment Life Insurance, decline, DUI, insurance, 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...
by Ed Hinerman | Jun 4, 2012 | Alcohol Treatment Life Insurance, DUI, insurance, life insurance
The rule of thumb for single DUI incidents has always been that you just can’t get new life insurance after a DUI until you’re a year out from your finger missing your nose, your liver functions are normal and there is no history of alcohol abuse. Or at least...
by Ed Hinerman | May 1, 2012 | business life insurance, court ordered life insurance, DUI, insurance, International Business insurance, life insurance
If life and life insurance was all simple there wouldn’t be any bumps in the road. We would all have the coverage we need when we need it and Dorothy would be singing Somewhere Over The Rainbow in the background. Truth is that most of the time with life...
by Ed Hinerman | Feb 17, 2009 | basal cell carcinoma, blood pressure, cancer, cholesterol, diabetes, DUI, insurance, life insurance, private pilots, scuba diving, skydiving, smoking
I’m often asked, after the fact, what it takes to get the best life insurance rates. While I would be hard pressed to cover everything that could be hiding in your medical records, I can provide a general rundown based on the exam, labs, family and personal...
by Ed Hinerman | Dec 15, 2008 | bait and switch, DUI, Independent agent, insurance, life insurance
I very seldom “go off” on individual life insurance companies. Our experience in the impaired risk market is that company underwriting can go through cyclical changes, so we have learned to stay away from companies who aren’t being consistent until...
by Ed Hinerman | Apr 2, 2008 | DUI, insurance, life insurance, private pilots
If you want to get a life insurance underwriter’s attention, talk about your history of alcohol or drug abuse. Tell them about your DUI or history of DUI’s. A good independent agent is going to ask about any history of alcohol abuse, treatment for alcohol or drug...
by Ed Hinerman | Feb 27, 2008 | DUI, insurance, life insurance
When is DUI not a DUI? Trick question? Well, of course it is. The answer is never even if your attorney was able to plea bargain your DUI by having you plead no contest to DWS, driving while stupid. Clients will, and honestly in their mind, answer no to the question...
by Ed Hinerman | Dec 4, 2007 | DUI, insurance, life insurance
I really think there must be some confusion. Men’s Health has decided that Denver and Colorado Springs, Colorado’s two largest cities, are respectively the number one and number three drunkest cities in the country. Ouch!! Right up front I want you to...
by Ed Hinerman | Nov 20, 2007 | DUI, insurance, life insurance
Not too long ago while writing on the obesity problem in America I ran across a state by state breakdown that showed my home state, Colorado, as being one of the 4 leanest states in the country. I wasn’t too surprised, as we are kind of an exercising, outdoorsy...
by Ed Hinerman | Nov 17, 2007 | DUI, insurance, life insurance
Just when I think I’ve heard it all concerning how stupid or dangerous drinking can be, here we go…….I was too drunk to drive so I had my son drive! But the son was 13 and was drunk also! The son was charged with DUI. Bottom line. No life insurance...
by Ed Hinerman | Nov 2, 2007 | DUI, heart attack, insurance, life insurance, stroke
Transient Ischemic Attacks (TIA), or mini strokes occur when blood flow to part of the brain is blocked temporarily. With a TIA, the blockage, usually a blood clot, sticks in place long enough to cause symptoms, and then moves on and is absorbed by the body without...
by Ed Hinerman | Oct 16, 2007 | Anxiety, cancer, Depression, diabetes, DUI, heart attack, Independent agent, private pilots, prostate cancer, Sleep apnea
The Rock!! I bring Pru up every once in a while simply because they seem to be a company that is out to make a difference in the life insurance business. Other companies are competitive, and Prudential isn’t the answer to every life insurance question, but they...
by Ed Hinerman | Sep 22, 2007 | Alcohol Treatment Life Insurance, cancer, DUI, insurance, life insurance, liver functions
Not too long ago I discussed life insurance exam labs results. I mentioned that the tests were not always tests that would lead to a diagnosis of a specific problem, but were tests that often exposed the tip of the iceberg, where a more serious problem might lie...
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