by Ed Hinerman | May 14, 2015 | approval, decline, ejection fraction, honesty, insurance, insurance quotes, lab results, life insurance, life insurance approval, PSA
With my feet firmly planted in impaired risk life insurance, the you and me’s who can’t lay claim to perfect health, it is rare when I send someone life insurance quotes at preferred plus, preferred elite, preferred best or whatever clever name insurance...
by Ed Hinerman | Mar 26, 2015 | approval, beneficiary, customer service, decline, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance approval, rate increase
They would probably have a holiday named after me if every customer walked away completely satisfied but you just get more customers when almost all of them do. It’s OK because personally I think we have over done the holiday thing especially because if the...
by Ed Hinerman | Mar 26, 2015 | application process, compliance, diabetes, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance underwriting
Since the ING Reliastar cholesterol ratio bell curve debacle 3 years ago I’ve been given to musing about what really goes on behind the closed doors or a life insurance underwriter’s office. Are they in there pouring through records and giving credits and...
by Ed Hinerman | Feb 17, 2015 | customer service, death benefit, honesty, insurance, insurance quotes, life insurance, term insurance, whole life
It’s been interesting over the years to see the amount of money that is thrown away because a life insurance client, not knowing any better, simply buys from the wrong company. When you couple that with the agents, especially in impaired risk life insurance, who...
by Ed Hinerman | Feb 9, 2015 | abnormal ekg, abnormal labs, arrythmia, atrial fibrillation, bait and switch, impaired risk life insurance, indexed universal life, insurance quotes, life insurance, life insurance approval, life insurance underwriting
The other guys! That would be most agents and agencies out there who aren’t inclined to ask you to do homework before they provide a life insurance quote, but here’s the deal, if they provide you a quote at all it won’t be as accurate as mine almost...
by Ed Hinerman | Feb 4, 2015 | application process, approval, bait and switch, Independent agent, insurance, insurance quotes, life insurance, life insurance approval
I just got a heads up that Transamerica Life will be releasing an order tomorrow to withdraw its’ TransAce no lapse guarantee UL from it’s portfolio effective immediately. It’s unusual for a life insurance company to pull a product immediately, but...
by Ed Hinerman | Jan 28, 2015 | application process, customer service, honesty, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance approval
The only reason a sane life insurance agent would quote ING Reliastar, aka Reliastar, aka Voya, is compensation. Understand that there are two, sometimes more, levels of compensation that life insurance companies offer. One is called the “street” level...
by Ed Hinerman | Nov 10, 2014 | application process, approval, CEO life insurance, compliance, decline, doctor's recommendation, insurance quotes, life insurance, life insurance approval, life insurance underwriting
Things pop up day to day in my business that remind me that I haven’t written about some particular life insurance pitfall in a while. Just as much as any life insurance impaired risk you might present, the inaccurate BS information that doctors put in or allow...
by Ed Hinerman | Oct 20, 2014 | disability, heart disease, insurance, insurance quotes, life insurance, ratings
I’m working on a case right now, a tricky case because it involves life insurance for someone age 69, who was diagnosed with heart disease and diabetes 10 years ago. He had a one vessel angioplasty with a stent and was on medication for both issues, until he...
by Ed Hinerman | Sep 17, 2014 | AARP, conversion, Conversion to a permanent product, Independent agent, insurance, insurance quotes, life insurance, Protective Life, term insurance, Type 2 diabetes, whole life
I got a call a few days ago from a couple who are both 74 years old. They have had Protective term life insurance in force for several years and decided to look at converting $25,000 for final expense purposes since their conversion option ends next year. Seeing...
by Ed Hinerman | May 13, 2014 | business life insurance, CEO life insurance, customer service, executives, high net worth, insurance quotes, key man insurance, life insurance
No, that’s not a typo. When it comes to business life insurance and insurance for people with high net worth, spending up to hundreds of thousands a year on life insurance is really not that uncommon. And anytime you are buying life insurance what you spend is...
by Ed Hinerman | Dec 26, 2013 | bipolar, bipolar disorder, CEO life insurance, insurance, insurance quotes, life insurance, life insurance approval
If being approved for life insurance was guaranteed then there would be no need for independent life insurance agents that specialize in impaired risk underwriting and know how to pick up the pieces after an underwriting train wreck and get things back on track. The...
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 | Oct 17, 2013 | Active Duty Military Life Insurance, insurance, insurance quotes, life insurance, life insurance approval, life insurance claim, Met Life
As much as I’m not a huge fan of the Met Life active duty life insurance stance, after these past few weeks, for those who qualify, it might be worth considering. My gripe with the way they offer their life insurance program for active duty military is that they...
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...
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