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 9, 2012 | compliance, doctor's recommendation, insurance, life insurance
There is, especially in impaired risk life insurance, frequently a disagreement between clients and their doctors as to whether or not a condition or illness actually exists and almost always some contention over the severity or the treatment. Life insurance...
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 29, 2012 | Alcohol Treatment Life Insurance, Anxiety, application process, approval, insurance, life insurance, life insurance approval
Drop the word insurance out of there and reality is that with success in life comes challenges that even the most on the ball folks aren’t ready for. How a person deals with those challenges can affect how they are perceived when they apply for life insurance....
by Ed Hinerman | Sep 28, 2012 | A1c, blood pressure, cholesterol, decline, diabetes, insurance, life insurance
I can remember a time when hardly a post left my computer without the words compliance and control somewhere in the text. The issues are no less important now and since it seems to be something that has popped up in several cases lately, well, let’s just kick it...
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 20, 2012 | A1c, diabetes, insurance, life insurance, Type 1 diabetes
There’s always a little hesitance on my part to proclaim an underwriting breakthrough to actually be an underwriting breakthrough for a couple of reasons. First, life insurance underwriting guidelines have been known to change for the better and back again and...
by Ed Hinerman | Sep 15, 2012 | business life insurance, buy/sell life insurance, high net worth, insurance, key man insurance, life insurance
It’s a given that most companies would carry key man life insurance or buy/sell life insurance on the CEO. Any company that thinks they are too small or too large for CEO life insurance coverage really hasn’t thought through what would happen if that...
by Ed Hinerman | Sep 12, 2012 | accidental death, Alcohol Treatment Life Insurance, decline, DUI, insurance, life insurance
There is this perverse notion, an urban legend if you will, that if you get declined for life insurance you become life insurance toast from then on. You might as well buy accidental death insurance and just hope that space junk and not cancer is the cause of your...
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 16, 2012 | application process, insurance, life insurance, liver functions
So, let me catch you up. First you went through finding the right agent because anyone who reads this blog knows that the right agent using the right company equals the right outcome. Then your agent got down and personal and used that information to informally shop...
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...
by Ed Hinerman | Aug 6, 2012 | application process, insurance, insurance quotes, life insurance, life insurance approval
Applying for life insurance is one of those things in life where you really have some control over what it feels like, how long it takes and how it ends. It is, in that respect, somewhat the polar opposite of applying for a passport. My memory of that was that once...
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