by Ed Hinerman | Oct 29, 2013 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval, prostate cancer, PSA
Prostate cancer has been one of the easier cancers for life insurance underwriting for a long time, but the criteria for those low stage and grade cases has been expanded to areas not seen before. In recent weeks I’ve been all over this forum about breakthroughs...
by Ed Hinerman | Oct 28, 2013 | guaranteed issue life insurance, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval, life insurance for gay couples, term insurance, universal life
Just a month ago there was only one step to getting life insurance if you were HIV positive. You filled out an application for guaranteed issue life insurance and sent in money, lots of money. Guaranteed issue whole life insurance was your only choice and even though...
by Ed Hinerman | Oct 15, 2013 | approval, business life insurance, CEO life insurance, executives, guaranteed issue life insurance, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
Some nut case has been all over the internet search engines claiming a phenomenal life insurance underwriting breakthrough that will allow a large number of HIV positive people to get traditional life insurance up to $1 million. Since HIV became an issue in the...
by Ed Hinerman | Oct 8, 2013 | approval, HIV Positive, insurance, lab results, life insurance, life insurance approval
So we’ve rounded the corner where we know we have life insurance carriers that will approve up to $1mm of life insurance, both term and permanent with life insurance underwriting guidelines that are custom made for just applicants who are HIV Positive. So you...
by Ed Hinerman | Oct 7, 2013 | approval, HIV Positive, insurance, insurance quotes, life insurance, life insurance approval
Over all the years I’ve been in life insurance I’ve talked with dozens of people who were HIV+ and needed life insurance and the only thing I could offer them was guaranteed issue life insurance. Guaranteed issue is exactly what it says. If you’re...
by Ed Hinerman | Oct 4, 2013 | approval, HIV Positive, insurance, life insurance, life insurance approval
I would like to claim that I’ve been waiting on the edge of my seat, holding my breath, watching the horizon and all of those other things that would indicate that I believed we were on the verge of a traditional life insurance breakthrough for HIV positive, but...
by Ed Hinerman | Oct 3, 2013 | HIV Positive, insurance, insurance quotes, life insurance, life insurance approval
Until today I have had to point anyone HIV positive to the guaranteed issue life insurance market. Over the past 15 years we have seen huge strides in the treatment of HIV and with medical advances the ability to fully control it. For those of us who have been around...
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