by Ed Hinerman | Mar 4, 2014 | application process, approval, customer service, impaired risk life insurance, insurance, life insurance
How One Life Insurance Agent Made Over $250,000!!!!!!! There isn’t an hour that goes by that I don’t receive a phone call or an email that starts out with a statement like that. It’s, of course, some life insurance company’s way of trying to...
by Ed Hinerman | Feb 19, 2014 | financial adviser, grandparent life insurance, impaired risk life insurance, income replacement, insurance, life insurance, over 50 life insurance, term insurance
My name is Ed Hinerman and my wife and I are grandparents. In the whole scheme of things hardly noteworthy except for the fact that we are part of a growing number of grandparents who are raising our grandchild. The last census showed that just shy of 5 million...
by Ed Hinerman | Feb 5, 2014 | application process, approval, customer service, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
In a business that is absolutely brutal to succeed in, just like it is a real piece of work to find the best life insurance company for your situation, it is even harder to find an agent that can not just help you succeed, but treat you with respect along the way....
by Ed Hinerman | Dec 10, 2013 | Alcohol Treatment Life Insurance, approval, CEO life insurance, impaired risk life insurance, insurance, insurance quotes, life insurance, life insurance approval, life insurance underwriting
One of those set in stone rules that we have lived with for years in life insurance underwriting just got a new look and possibly a question that may not make the answer as black and white as most underwriters would like it to be. I am currently shopping a case where...
by Ed Hinerman | Sep 26, 2013 | approval, cancer, impaired risk life insurance, insurance, life insurance, life insurance approval, prostate cancer
I’m working on a prostate cancer life insurance case right now that really begs the question, even though the biopsy showed cancer, 13 years of watchful waiting later, is everyone sure that biopsy was accurate? Was it correct? Since the cancer was only seen in...
by Ed Hinerman | Sep 19, 2013 | abnormal labs, application process, approval, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
We’ve had an ongoing dialog the past month or so about life insurance predictive models or methodologies and how the life insurance industry might embrace and use this new technology to both help clients get better rates and put a more solid floor in...
by Ed Hinerman | Sep 13, 2013 | BMI, impaired risk life insurance, insurance, lab results, life insurance, life insurance approval, mortality, mortality risk
Not long ago I went on a tear about American General’s use of the CRL Lab’s proprietary laboratory analyzing methodology called “Smart Score”. The blasting cap for that little tiff was a case that American General declined, obviously using the Smart Score numbers to...
by Ed Hinerman | Aug 20, 2013 | AIG, application process, customer service, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
There are some trends in the life insurance industry that occasionally make me wonder if we are glimpsing the future of the business, or are we already there? If life insurance companies could figure out how to get as much business without the use of commission paid...
by Ed Hinerman | Aug 14, 2013 | A1c, approval, BMI, impaired risk life insurance, insurance, life insurance, life insurance approval, mortality, mortality risk
As related in a post yesterday which was a follow up on a previous post concerning the American General use of the CRL Labs Smart Score methodology for underwriting, I have breaking developments. After being rebuffed by CRL, being told that they couldn’t tell me...
by Ed Hinerman | Jul 24, 2013 | approval, decline, diabetes, impaired risk life insurance, insurance, life insurance, life insurance approval
I still own the domain name “You Just Can’t Fix Stupid.com” and this is one of those days when I would like to dust it off and go live with it. The new American General Life Insurance “Smart Score” underwriting system has just recently...
by Ed Hinerman | Jul 23, 2013 | accelerated death benefit, impaired risk life insurance, insurance, life insurance
I am always hesitant to give much attention to bells and whistles added to life insurance. Historically the bells and whistles have been a way to drive up the premium with little or almost no risk that the life insurance company will ever have to engage in paying out....
by Ed Hinerman | Jun 21, 2013 | application process, approval, bipolar disorder, impaired risk life insurance, insurance, insurance quotes, life insurance
The process is the same for everyone. We finally come to grips with the need for life insurance and whether we call our local State Farm agent or go on line, the next step is to get a quote. I’ll be honest. When I get a quote for anything, construction, dental...
by Ed Hinerman | Jun 13, 2013 | approval, Banner Life, decline, impaired risk life insurance, insurance, life insurance, life insurance approval
Time to play life insurance underwriting, truth or lie? I want to launch into this stating that I don’t advocate lying on life insurance applications for two reasons, well, two main reasons. First, withholding relevant underwriting information if you get away...
by Ed Hinerman | Jun 6, 2013 | application process, approval, BMI, final expense life insurance, guaranteed issue life insurance, impaired risk life insurance, insurance, life insurance, life insurance approval, no exam
Allow me to blow right by all of the internet clutter of $12 a month for $500,000 of life insurance. There is no question that those are low rates even though they are enticing unknowing young clients with prices for 10 year term insurance, a completely inappropriate...
by Ed Hinerman | May 13, 2013 | A1c, blood pressure, cancer, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Not everything that goes on in our medical lives is memorable. If our blood pressure is always in the normal range more than likely we are going to remember our last blood pressure reading. Unless I was deathly ill there is no way that I would remember what my...
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