by Ed Hinerman | Dec 11, 2009 | bipolar disorder, insurance, life insurance
I have been working with a physician who has bipolar disorder and we were declined on our first life insurance application through Transamerica. Trans has pretended to be more aggressive or creative or whatever, on their trials than they actually are on formal...
by Ed Hinerman | Dec 9, 2009 | insurance, life insurance
How to find someone the best life insurance rates in the business really isn’t rocket science, but it seems to be an ability that doesn’t come easily to most life insurance agents. This bodes well for me as an agent because there are a lot of customers out...
by Ed Hinerman | Dec 8, 2009 | estate taxes, insurance, life insurance
For those who were really thinking that the government would allow the estate tax repeal to continue into 2010, the year that estate taxes would simply disappear, it’s time to exhale. The House of Representatives has voted to keep the current estate tax...
by Ed Hinerman | Dec 5, 2009 | bipolar, bipolar disorder, insurance, life insurance
It’s December and it’s been an outstanding year in helping those with bipolar disorder find the life insurance they need at affordable prices. Most of our successes have been snatched from the jaws of defeat that other companies have held our clients in....
by Ed Hinerman | Dec 3, 2009 | bipolar disorder, insurance, life insurance
I wrote my first United of Omaha life insurance application in 1978. Those were the days of Mutual of Omaha’s Wild Kingdom, Marlin Perkins and the advent of yearly renewable term insurance. They were a powerhouse company back then with all captive agents and a...
by Ed Hinerman | Dec 1, 2009 | insurance, life insurance
I just read a press release on my favorite on line mega giant life insurance agency, Selectquote, now offering quotes by simply texting your age into your cell phone. That’s it! Your age and you get a quote! How stupid is that? If it’s really that easy...
by Ed Hinerman | Dec 1, 2009 | bipolar disorder, insurance, life insurance
I’m as guilty as anyone on this. I go to the doctor and they tell me what’s wrong and what to do about it. I go home and decide that either I’ve got a better idea or at least a cheaper one, so I modify the treatment plan and go on with life....
by Ed Hinerman | Nov 30, 2009 | gastric bypass, insurance, life insurance
I’m often asked whether being declined for insurance, or highly rated, will influence how another company looks at a new application. The answer is truly an emphatic NO! Each company has their own underwriting criteria and their own philosophy and their medical...
by Ed Hinerman | Nov 30, 2009 | insurance, life insurance, obesity
Like smoking, another issue that gets a lot of interest in life insurance but very little follow through, is weight. I’ve offered several posts concerning companies that will underwrite obesity at fair rates. I’ve also mentioned frequently that what is...
by Ed Hinerman | Nov 24, 2009 | conversion, insurance, life insurance
I’ve truly gotten a sense of what a love/hate relationship is all about with West Coast Life. They are, in so many areas, one of the best companies in the business for fair and flexible underwriting. I love that since most of my clients need above average...
by Ed Hinerman | Nov 23, 2009 | insurance, life insurance, term insurance
I watched Dennis the Menace the other night and early on in that film it was clear that Mr Wilson would have preferred to have $100,000 in his pocket and no Dennis as a neighbor. That’s probably a bit harsh, but the answer as to why he couldn’t have that...
by Ed Hinerman | Nov 20, 2009 | insurance, life insurance, mortality
When A doctor says you’re doing just fine or you don’t need to worry about this or that, they really mean it. I suspect that in the short term scheme of things they may even be right most of the time. But let’s not mix up a short term prognosis with...
by Ed Hinerman | Nov 19, 2009 | insurance, life insurance
I think it would be accurate to say that we help a lot more people with health issues than people who are just insanely healthy, but let me be very clear, we do a great job helping the insanely healthy as well. I had a call from a company executive today wanting...
by Ed Hinerman | Nov 18, 2009 | accelerated death benefit, conversion, insurance, life insurance
Term life insurance is a product that is sprinkled with gold nuggets that make it so much more than it appears on the surface. The great news is that the nuggets are part of the policy and are not added on at an extra cost. One of those nuggets that I often take for...
by Ed Hinerman | Nov 16, 2009 | blood pressure, high blood pressure, insurance, life insurance
In Job 12:11 it says “Does not the ear test words, as the palate tastes its food?” When a life insurance agent gives you a quote that you know sounds a little too good, do you question it or set yourself up for disappointment by choosing to believe...
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