by Ed Hinerman | May 2, 2013 | application process, approval, decline, impaired risk life insurance, insurance, insurance quotes, life insurance
I know what drives the reaction, the knee jerk response of applying to every insurance company who will accept an application. It’s a desperation that grows out of a declined life insurance application and the idea that the more people you get your information...
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 | Mar 5, 2013 | approval, breast cancer, cancer, decline, impaired risk life insurance, insurance, life insurance, life insurance approval
There are some things, things medical, mental and lifestyle, that some insurance companies may never let go of. 15 or 20 years after the fact it is entirely possible that there are companies that will unflinchingly say no thanks to your life insurance business even...
by Ed Hinerman | Nov 6, 2012 | approval, bipolar, bipolar disorder, decline, executives, impaired risk life insurance, insurance, life insurance
I am more amazed every day at the huge misconception there seems to be in our country about the face of bipolar disorder and what it most certainly means when it comes to trying to be approved for life insurance. To give you a sense where most life insurance companies...
by Ed Hinerman | Jul 31, 2012 | impaired risk life insurance, Independent agent, insurance, life insurance, pilot, private pilots, professional car racing
I’ve been working some particularly tough impaired risk life insurance cases lately and it really drove it home to me that if a person with higher risk life insurance impairment is using an agent who only represents one or two or three companies, they have...
by Ed Hinerman | Jul 16, 2012 | diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
I feel like one of those people who puts tacks in a map every time they visit another state. I am literally sticking pins in the type 1 diabetes life insurance approval map and the number of areas where we are getting approvals is growing every few weeks. As covered...
by Ed Hinerman | Jul 4, 2012 | impaired risk life insurance, insurance, life insurance, life insurance approval, private pilots
Although the combination of affordable life insurance and private pilots has never been the norm across the scope of all life insurance companies, there hasn’t been a time in the last decade, almost two, where the match couldn’t be made with the right...
by Ed Hinerman | Jun 5, 2012 | diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes
It’s what we’re all looking for, right? The path of least resistance. I know whenever I can I would prefer to do as little as possible and, really, honestly, I would kind of like instant gratification. Hey it leaves more time for the fun stuff. Getting...
by Ed Hinerman | Mar 30, 2012 | Attention Deficit Disorder, bipolar disorder, cancer, coronary artery disease (CAD), cpap, impaired risk life insurance, insurance, life insurance, melanoma, over 50 life insurance
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval...
by Ed Hinerman | Mar 30, 2012 | cancer, children's life insurance, impaired risk life insurance, insurance, life insurance, mortality, Type 1 diabetes
Being primarily a health risk life insurance agent I get to talk to a lot of people about diseases and problems they didn’t have even just a few years prior. Especially guys have this bombproof thing going on where they truly believe as long as they work hard...
by Ed Hinerman | Mar 15, 2012 | application process, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance
I’ve been working on a life insurance case that was recently approved. The client let me know that he had applied through another agent before he found my blog and decided to give me a shot. I am always certain that I’ve quoted the best price available so...
by Ed Hinerman | Mar 3, 2012 | customer service, impaired risk life insurance, insurance quotes, life insurance, Telelife
There is an application process in the life insurance industry called “Telelife”. It’s only offered by a few companies. It was first put in place about 15 years ago by the then Federal Kemper Life. At the time I worked for Eterm.com and we were told...
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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