by Ed Hinerman | Sep 11, 2009 | insurance, life insurance
If only we knew! If only we knew when our health was going to change from good to bad we could buy life insurance at the optimal time. If only we knew when we were going to die we could pay out as little as possible on life insurance with the maximum return to our...
by Ed Hinerman | Sep 10, 2009 | bait and switch, insurance, life insurance
I called a client of mine the other day because not too long after I had done an annual review of his term life insurance coverage I received a notice that he had applied with another company and was considering replacing the policy he had through me. Now I really...
by Ed Hinerman | Sep 9, 2009 | AARP, insurance, life insurance
I can rant and rave all day long about the perverse way AARP treats its’ members with their insurance programs, and I do, but that’s just my professional opinion. I recently received a personal opinion from a person whose mother is an owner of one of the...
by Ed Hinerman | Sep 8, 2009 | insurance, life insurance
I wrote a post on September 2 concerning a client who had a bad experience in attempting to get life insurance through Selectquote. He emailed to provide more details and one of those details was a misunderstanding of mine that I want to correct. I had indicated that...
by Ed Hinerman | Sep 3, 2009 | insurance, life insurance
Dogs get fleas awareness month! Everything is getting more expensive awareness month! I was reading a Reuter’s article on LIAM, Life insurance awareness month yesterday and I really thought it would kind of leave the average reader saying, “So what?”...
by Ed Hinerman | Sep 2, 2009 | insurance, life insurance, term insurance
2/3 of 2009 have slipped by and there is just no denying anymore that the industry trend for external guarantee life insurance policies such as term insurance and universal life with a no lapse guarantee has changed. Term insurance has been going down in price and...
by Ed Hinerman | Sep 1, 2009 | insurance, life insurance
I wrote a post back in early August about a man who had contacted me after a rather dubious interaction with Selectquote while trying to buy life insurance. After shopping his case for him and determining that several companies were willing to set aside his treatment...
by Ed Hinerman | Aug 31, 2009 | bipolar disorder, insurance, life insurance
Another bipolar disorder success today. A client I have been working with who applied with State Farm and USAA and received highly rated offers from both was able to get a standard rate through one of our better carriers, more than cutting in half his potential life...
by Ed Hinerman | Aug 31, 2009 | cancer, insurance, life insurance
Lung cancer is one of the most deadly cancers in the world today, accounting for 18% of worldwide cancer related deaths. It has also, in all my years of studying and following breakthroughs in early detection, been the most stubborn in avoiding advances in clinical...
by Ed Hinerman | Aug 31, 2009 | beneficiary, insurance, life insurance
Over the hundreds of year I’ve been in the life insurance business I’ve given out who knows how many thousands of business cards and sent out who knows how many quotes, all a paper trail leading back to me saying that maybe there is life insurance in...
by Ed Hinerman | Aug 28, 2009 | bipolar disorder, insurance, life insurance
With life insurance underwriting of bipolar disorder we have been very successful in placing affordable policies with clients who meet some basic criteria that I’ve shared a number of times. In this list is implied stability, stability, stability. 1. Someone who...
by Ed Hinerman | Aug 27, 2009 | decline, insurance, life insurance
My wife is a nurse and I’ve often fussed with her about how inaccurate medical records can be. She doesn’t disagree with the general poor condition of medical records, but offered up the medical community’s offense as their defense. When she was...
by Ed Hinerman | Aug 26, 2009 | insurance, life insurance, rate increase
This is actually a little hard to get used to. After 10-15 years of term insurance rates trending downward, that isn’t the case anymore. While we haven’t seen any alarming increases in term insurance rates, one company after another is turning the corner...
by Ed Hinerman | Aug 25, 2009 | insurance, life insurance
I was talking with one of my clients during an annual review yesterday, someone I’ve been through a lot with. Our conversation eventually came around to the topic of how often times those for whom life insurance is being acquired to protect often don’t...
by Ed Hinerman | Aug 25, 2009 | insurance, life insurance, obesity
Obesity is a complete show stopper with most life insurance companies. Each company has their own build chart and most of them are relatively comparable up through the standard rate class. Where companies rapidly peel off and get out of the game is when people are...
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