by Ed Hinerman | Jul 27, 2007 | diabetes, Independent agent, insurance, life insurance, Type 2 diabetes
Writing life insurance in New York is challenging on a good day. New York has only recently stepped into the last century as far as insurance law and available products. With the challenges in underwriting life insurance for diabetics, it would behoove someone to drag...
by Ed Hinerman | Jul 27, 2007 | heart attack, insurance, life insurance
There is something about most of us that makes us believe that untimely death only happens to other people. I know I fall in to that category. I jog daily and exercise and eat right and I assume I will live a long life barring an accident. I do have plenty of life...
by Ed Hinerman | Jul 27, 2007 | insurance, life insurance
It is a fairly common occurrence to have a life insurance application postponed when the proposed insured has a scheduled hospital procedure. Clients often question why the companies are so cautious when often times the procedures are fairly simple outpatient events....
by Ed Hinerman | Jul 26, 2007 | diabetes, hepatitis, Independent agent, insurance, life insurance, liver functions
Hep C is the most common chronic blood borne infection in the United States. The insidious nature of the disease is such that often people will not experience symptoms for years, even decades, after they are infected. Life insurance underwriting for Hep C is a careful...
by Ed Hinerman | Jul 26, 2007 | Independent agent, insurance, life insurance, term insurance, whole life
I promised myself and my wife that I would try to remain calm about my opinions, even when my face is turning red, but AARP, the advocate for us old folks, is plain and simple giving bad life insurance advice. And frankly, giving bad advice if you are holding yourself...
by Ed Hinerman | Jul 25, 2007 | heart disease, Independent agent, insurance, life insurance, private pilots, universal life
Along with the changes of the last few years in life insurance underwriting has come some serious scenery changes in the companies. There has been a rash of large companies gobbling up smaller companies and in some cases large companies gobbling up large companies....
by Ed Hinerman | Jul 25, 2007 | cholesterol, high blood pressure, Independent agent, insurance, life insurance
I promised in a post yesterday to shed some light on the changes that have impacted life insurance underwriting over the past two years. The life insurance business and life insurance underwriting have undergone dramatic changes over the past two years. It has changed...
by Ed Hinerman | Jul 25, 2007 | cholesterol, Independent agent, insurance, life insurance, liver functions
You know the rates I’m talking about. You see them on TV, in magazines and on the internet. Rates so low that they make even the most seasoned, die hard, disliker of life insurance consider running right out and getting some. They’ve been called Superman...
by Ed Hinerman | Jul 24, 2007 | insurance, life insurance
In a post last week I brought up the new cognitive testing that a few companies are going to for elderly (post 70) life insurance applicants. This is worthy of some discussion and review. Just to refresh, with American General (AIG), if you are over 70 and apply for...
by Ed Hinerman | Jul 23, 2007 | business life insurance, final expense life insurance, insurance, life insurance, universal life, whole life
Every profession has it’s share of dirt balls that will make a buck no matter who it hurts. The truth is that most of the unscrupulous types don’t last in the life insurance business, and leave damaged customers behind trying to make sense of what...
by Ed Hinerman | Jul 23, 2007 | conditional receipt, insurance, life insurance, no exam, term insurance
When we live, eat and breath life insurance every day, even the best intentioned of life insurance agents may get caught assuming that you already know what is basic to them. The problem comes when you have a misconception of the truth and it changes the whole picture...
by Ed Hinerman | Jul 23, 2007 | cancer, insurance, life insurance
In a post on March 4 of this year, Children’s life insurance. Keep it in perspective!” I broached the sensitive subject of life insurance for your children. Most parents would rather just turn their back on the whole subject. How morbid a thought? Quite...
by Ed Hinerman | Jul 22, 2007 | biblical, insurance, life insurance
A friend asked recently if there was any biblical precedence for life insurance. His assertion was that if God takes care of his people, why carry life insurance. I would just offer this from 1 Timothy 5:8, “If anyone does not provide for his relatives, and...
by Ed Hinerman | Jul 21, 2007 | insurance, life insurance
I always laugh a little when I call a fairly new potential customer and someone else answers. When I asked to speak to the customer they will often turn and say, “it’s that insurance guy.” I can tell you that when a life insurance agent does most of...
by Ed Hinerman | Jul 21, 2007 | Alcohol Treatment Life Insurance, Depression, DUI, Independent agent, insurance, life insurance
Clients are always surprised that their alcohol use can be an underwriting issue. Whether a person has been through alcohol treatment, has had a DUI, or just consumes higher than average amounts of alcohol, they present an underwriting challenge on more than one...
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