by Ed Hinerman | Apr 18, 2012 | cancer, insurance, life insurance, prostate cancer
In some cases life insurance underwriting just hangs out and doesn’t change much over the years. That has been fairly true of prostate cancer life insurance since I wrote my first post on the subject back in 2007, until the last few months. What follows is an...
by Ed Hinerman | Apr 18, 2012 | disability, insurance, life insurance
I will try my hardest to make the focus of this post life insurance, but first I need to vent. We are living in a country that used to be on a pedestal so high above the rest of the countries of the world that it was almost, well, as if we had been singled out by God...
by Ed Hinerman | Apr 17, 2012 | breast cancer, cancer, insurance, life insurance, prostate cancer
There have been some dramatic breakthroughs in life insurance underwriting over the past few months, a lot of it having to do with cancer life insurance underwriting. Just as these breakthroughs started there are now more rumors of companies following suit, or...
by Ed Hinerman | Apr 13, 2012 | executives, Foreign National Life Insurance, foreign nationals, foreign travel, insurance, International Business insurance, life insurance
I am more than pleased with the amount of international life insurance business we’ve been able to generate and place over the last year. It is definitely not for everyone but for those who need what the US has to offer and can afford the travel to apply for and...
by Ed Hinerman | Apr 11, 2012 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance, physicians life insurance
While hardly a problem that is restricted to people in the medical fields, simply based on the number of physicians and dentists I have worked with over the past few years, it seems their easy access to the drugs and or ability to write prescriptions is a growing...
by Ed Hinerman | Apr 10, 2012 | cholesterol, insurance, insurance quotes, life insurance
It’s not like I’m some grumpy old guy that just thinks young men are stupid. There are a lot of refreshingly intelligent and down to earth young men out there who believe in stepping up to the plate, especially when it’s a plate of their own making....
by Ed Hinerman | Apr 7, 2012 | business life insurance, buy/sell life insurance, customer service, executives, insurance, International Business insurance, life insurance
Being a small business person myself I know that there are plenty of opportunities to bust your budget if you take everyone’s advice, get all the best bells and whistles and make your business 99.99% bombproof. It’s funny to see success draw the vultures...
by Ed Hinerman | Apr 5, 2012 | customer service, death benefit, Independent agent, insurance, life insurance, life insurance claim, life insurance claim process
What day Ed? It’s a strange thought process I go through some days preparing to add to this heap of my opinion called Ed Hinerman On Life Insurance. I started to write this yesterday and got off on a tangent that was so full of myself it triggered my gag reflex....
by Ed Hinerman | Apr 3, 2012 | conversion, Independent agent, insurance, life insurance, term insurance, West Coast Life, whole life
If I’ve gone a month in the last three years without talking about conversion options and the mean spirited way some life insurance companies have treated it, forgive me. There is nothing I am quite so passionate about as beating the ugly truth completely to...
by Ed Hinerman | Apr 2, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, commercial fisherman life insurance, dangerous occupation life insurance, insurance, life insurance, Lloyds of London
It occurred to me as I was writing insurance on a civilian contractor working at a forward operating base in Afghanistan a few weeks ago that, that there must be others just like them. There must be other groups of people who could benefit from affordable dangerous...
by Ed Hinerman | Mar 31, 2012 | death benefit, insurance, life insurance, life insurance claim, pilot, private pilots
I had an interesting email question yesterday concerning whether or not there is a time limit on filing a claim for life insurance. There are plenty of stories out there about old stock being found and old life insurance policies turning up. In this case the son who...
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 27, 2012 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, over 50 life insurance
Let me preface this by saying that I take Prozac for situational depression. The situation doesn’t exist anymore but the feelings were so bad that I continue to take the Prozac. I don’t want to quit and find out that the horrible way I felt was just...
by Ed Hinerman | Mar 24, 2012 | Active Duty Military Life Insurance, children's life insurance, conversion, insurance, Juvenile life insurance, life insurance
I went to war with the life insurance industry several years ago over the issue of children with impairments not having access to coverage, even at a higher rate than the standard rate they offer perfectly healthy kids. The issue came up when I shopped for life...
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