by Ed Hinerman | Jul 27, 2010 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance
Substance abuse treatment and life insurance underwriting are a delicate dance that if done correctly can be both successful in approval and reasonable rates. Having said that, like any impairment, there are parameters that have to be met. Whether self admitted,...
by Ed Hinerman | Jul 14, 2010 | bipolar, bipolar disorder, insurance, life insurance
Most people that read my blog and call or email about life insurance for people with bipolar disorder or other serious mood disorders seem to be in their mid forties and below. Most but not all. We have had a fair number of successful professionals my age (55+),...
by Ed Hinerman | Jul 13, 2010 | insurance, life insurance, term insurance, universal life, whole life
A few years back I passed on some interesting statistics from a LIMRA study about all of the uninsured and under insured Americans. I offered my thought that the reason these people didn’t buy life insurance was that they couldn’t find someone they trusted...
by Ed Hinerman | Jul 9, 2010 | insurance, life insurance, pilot, private pilots, Prudential
Pru rolled out a 16 page release on their new and improved underwriting guidelines in a number of areas. This comes on the heels of a much ballyhooed rate decrease that didn’t do squat for anyone under 50. Nevertheless there may be some morsels in here that will...
by Ed Hinerman | Jul 7, 2010 | insurance, life insurance, over 50 life insurance
With so much financially unchanged I want to dust off some previous advice and suggest that it was right then and still warrants some consideration. If you are over 50 life insurance may be one of those anchors in the storm that helps us to breath easier. Everything...
by Ed Hinerman | Jul 7, 2010 | Foreign National Life Insurance, foreign nationals, insurance, life insurance
It was only a matter of time before a crack in the US life insurance market opened up to non US citizens and residents. People in the US have been buying financial tools from around the world for years and there isn’t any doubt that if another country had life...
by Ed Hinerman | Jul 5, 2010 | estate taxes, insurance, life insurance
The truth is there are times when there is a legitimate question about whether life insurance is necessary, whether it is the tool for the job. Here are five times that I would submit to you that the answer is clearly buy life insurance. I am leaving the whole issue...
by Ed Hinerman | Jul 1, 2010 | decline, insurance, life insurance
For most being declined for life insurance feels a little like being convicted of a crime that you didn’t commit. It’s also scary not knowing what to do, whether to try again, whether you will be black balled because of the decline, who knows. The problem...
by Ed Hinerman | Jul 1, 2010 | death benefit, insurance, life insurance
I was reviewing a legal synopsis of a contested life insurance beneficiary situation this morning and it reminded me just how important it is to make those changes in a timely fashion, and then double check to make sure it has been done. In this particular case the...
by Ed Hinerman | Jun 29, 2010 | insurance, life insurance, private pilots
Prudential Life recently took two steps forward and one step back in their underwriting treatment of private pilots. First they took a bold step forward in their underwriting of owners of experimental and home built aircraft. The pre-change underwriting was very clear...
by Ed Hinerman | Jun 29, 2010 | Anxiety, Depression, insurance, life insurance
I don’t know what some life insurance companies are thinking when they rate a policy because someone was on or is on an anti depressant or anti anxiety medication due to something completely situational like a divorce, the loss of a job or a death in the family....
by Ed Hinerman | Jun 28, 2010 | insurance, life insurance
For years an older friend of mine and life insurance client from church has been inviting me to go to “his special fishing spot” on the Gunnison River in Black Canyon National Park. He had explained for years that it was “quite” a hike in, but...
by Ed Hinerman | Jun 22, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I was recently asked to work on a case where the client was feeling like the kiss of decline was the best she would ever hear! Her only problem was that she had been a type 1 diabetic since age 9. I shared with you not too long ago how we had found that spot where...
by Ed Hinerman | Jun 18, 2010 | foreign nationals, insurance, life insurance
In a post last week I mentioned that we might be on to (finally) a US life insurance company willing to write policies on foreign nationals with clearly stated guidelines and rules. It has been that last part that has eluded us to date. Every once in a while a company...
by Ed Hinerman | Jun 16, 2010 | bipolar disorder, insurance, life insurance, prostate cancer
Table rated term insurance offers continue to tumble to a standard rate with United of Omaha’s health and lifestyle credit method, what they call their Fit test. I continue to be pleasantly amazed at how the company is honoring this commitment to reward good...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments