by Ed Hinerman | Oct 8, 2009 | conversion, guarantee, insurance, life insurance
I am and always will be all about guarantees in life insurance. The job it is purchased for is simply far to important to leave up to the whims of the economy or the company. In the absence of contractually guaranteed rates, the company has the right to change your...
by Ed Hinerman | Oct 6, 2009 | estate taxes, insurance, life insurance
As we crash toward the end of the year and one of the wackiest decades in a while, accountants for the high net worth and famous are all armed with the same good advice. 2010 is a good year to die, at least so far. What started in 2001 as one of the best tax code...
by Ed Hinerman | Oct 5, 2009 | arrythmia, insurance, life insurance
We’ve talked on a number of occasions about the dreaded abnormal ekg and how doctors and underwriters can have completely different takes on the abnormality, and actually both of them be right, I came across one of the best and most humorous explanations of the...
by Ed Hinerman | Oct 1, 2009 | cholesterol, insurance, life insurance
You’re applying for life insurance and they just sucked your blood and made you pee in a cup. You deserve to know what they know and there is no better way to do that than to request a copy of your labs. I have long like the proactive approach that West Coast...
by Ed Hinerman | Sep 30, 2009 | insurance, life insurance, Met Life
I got this email just recently: Hi Mr. Hinerman: I have been reading your blog for some time. Just curious, why do I never see MetLife, my company, among your quotes? If you haven’t checked us out in a while you might want to try. Our rating guide for CAD has...
by Ed Hinerman | Sep 29, 2009 | insurance, life insurance, term insurance
We see it all the time. A young man dies in a car accident or from cancer, a totally unexpected event and an event that rips the roof right off of the life of the young wife and children he has left behind. He never considered life insurance. Life at that point seems...
by Ed Hinerman | Sep 28, 2009 | gastric bypass, insurance, life insurance
We just wrapped up a life insurance application with a successful approval at a standard rate class, the best we could have hoped for even in the absence of the bypass history. We have been dog determined to point out through this forum that the social stigma and...
by Ed Hinerman | Sep 24, 2009 | heart attack, insurance, life insurance
Abnormal ekg’s make up a significant percentage of of the reason for postpones and declines on life insurance applications. Often it’s news to the applicant and just as often it’s something that their doctor may have told them about a long time ago...
by Ed Hinerman | Sep 24, 2009 | insurance, life insurance, prostate cancer
I heard through another agent this morning about a 68 year old client of theirs who was declined by Banner Life due to his PSA increasing from 2.1 to 3.1 over the last 15 months. It must be really dark where that underwriter keeps their head. If the client was young...
by Ed Hinerman | Sep 23, 2009 | insurance, life insurance
Ok, so it’s a “what if”, but there’s a lot of folks out there who won’t see the end of the day. Nothing shocking about that. A lot of those deaths will be expected and a lot of them, well, I guess there will be something shocking about...
by Ed Hinerman | Sep 22, 2009 | insurance, life insurance, obesity
I had a client just recently who works for State Farm as a claims adjuster and was declined for life insurance by to them due to his obesity. He’s 6’1, 415 pounds. I shouldn’t get down on State Farm over this since by most life insurance company...
by Ed Hinerman | Sep 22, 2009 | insurance, life insurance, liver functions
An extremely common cause for the derailment of a life insurance application is an elevated liver function test (LFT) on the life insurance labs. This can result in an unexpected (and unwanted) butt kicking when you had no idea that there was anything going on. To...
by Ed Hinerman | Sep 21, 2009 | conversion, insurance, life insurance
“In the beginning there came responsibilities and with that came the need for life insurance.” I get asked all the time when a person is old enough that they should seriously consider life insurance as part of their financial plan and the answer is clear,...
by Ed Hinerman | Sep 21, 2009 | diabetes, insurance, life insurance, Type 1 diabetes
Back in mid July I started working on a life insurance case for a young man with type 1 diabetes. He had already discovered how easy it is to find a company to decline him, but the picture he painted was not one that led to a logical decline. He had the same strikes...
by Ed Hinerman | Sep 14, 2009 | diabetes, insurance, life insurance
I am currently working with a client who, when we got his labs back, was staring at an A1c of 10.9 and a microalbumin of 6.0. This, by the way is an instant decline since he was obviously has undiagnosed type 2 diabetes. So what exactly does an A1c mean? Just how out...
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