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...
by Ed Hinerman | Sep 10, 2013 | application process, bait and switch, insurance, insurance quotes, life insurance, life insurance approval, Sleep apnea
I had a potential customer call a few weeks ago and after having gone through all the health questions with him, I let him know that I just needed a little more detail on his sleep apnea in order to shop it for life insurance appropriately. After he told me that he...
by Ed Hinerman | Sep 3, 2013 | A1c, diabetes, insurance, insurance quotes, life insurance, life insurance approval
One of my pet peeves with life insurance companies is that some are too slow and some are way too fast at issuing life insurance policies once approved. And why would I be whining about companies that move that paperwork right out the door? If the policy is approved...
by Ed Hinerman | Jun 25, 2013 | Active Duty Military Life Insurance, application process, family history, insurance, insurance quotes, life insurance, life insurance approval, Met Life, military
Me pass up an opportunity to question a life insurance company stance at the very core of its’ self proclaimed heart? Not on your life or over my dead body. USAA and MetLife are the self proclaimed most patriotic life insurance companies in the country. They...
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 | 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 | Jan 17, 2013 | epilepsy, insurance, insurance quotes, life insurance, life insurance approval, seizure disorder
I’ve spent significant time in my career in life insurance explaining to clients and potential clients the difference between what an underwriter says and what their doctor has told them. They are often two starkly different opinions and it creates confusion...
by Ed Hinerman | Nov 19, 2012 | compliance, insurance, insurance quotes, life insurance, life insurance approval, mortality, mortality risk
This is one of these subjects that goes in several directions. Your doctor’s opinion can help you get the best possible life insurance rate. It can also bring your life insurance application to a screeching halt and if it ever comes down to who is right, the...
by Ed Hinerman | Oct 10, 2012 | customer service, decline, executives, financial adviser, insurance, insurance quotes, life insurance, life insurance approval, term insurance
The CEO of a Denver based company contacted me today. He was shopping for life insurance and because he was a private pilot with almost no current flight time, as in none for 4 years, he was getting quotes that were through the roof. When you need millions in life...
by Ed Hinerman | Oct 6, 2012 | bait and switch, customer service, honesty, Independent agent, insurance, insurance quotes, life insurance, life insurance approval
I had an experience with Direct TV yesterday that left me wondering if there is anyone left in this country that truly cares about their customers. I definitely understood by the end of the four hour ordeal, that, and this is from Chase Carey’s secretary,...
by Ed Hinerman | Sep 25, 2012 | approval, family history, insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, reconsideration
Life insurance company reconsiderations are thrown about the industry like the success of them is common place and they are for all intents and purposes, a shoe in. The kind of reconsideration I’m talking about is when a smoker becomes a non smoker, someone with...
by Ed Hinerman | Sep 6, 2012 | insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, PSA
I had mentioned in a post not too long ago about a new test that might negate the need for invasive biopsies when men have a high or elevating PSA. A recent Reuters article kind of hit the nail on the head when it comes to the reliability of the PSA as an indicator of...
by Ed Hinerman | Aug 21, 2012 | application process, approval, insurance, insurance quotes, life insurance, term insurance
So, what happens if the approved life insurance application isn’t at the same rate you were quoted? This happens a lot when you use agents that don’t shop cases before they choose the right company. Less frequently it happens when new information comes up...
by Ed Hinerman | Aug 13, 2012 | application process, insurance, insurance quotes, life insurance, life insurance approval
Now we’re rolling. Just because I’ve used two posts getting to the actual life insurance application and life insurance exam is not indicative of how long the process takes. Again, as promised, at the end of this series I will give a breakdown of the...
by Ed Hinerman | Aug 7, 2012 | application process, approval, conversion, guaranteed level premium, insurance, insurance quotes, life insurance, life insurance approval
I’m going to make this life insurance application process seem a bit lengthy and cumbersome in explaining it, but be assured right up front that the process is neither of those if you just take some of these suggestions to heart and work right through it. In...
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