by Ed Hinerman | Jun 30, 2009 | insurance, life insurance, women
There is a misconception about the life insurance underwriting stance on applications during pregnancy. For the most part, at least during the first two trimesters companies don’t have any issues with approving applications. The tricky part comes in the third...
by Ed Hinerman | Jun 30, 2009 | incontestability, insurance, life insurance
In researching a post written a few weeks ago on how to bind a life insurance application I failed to find any companies still using the tool of choice from the past, the Conditional Receipt. All of the companies I found in my original sweep were using the far...
by Ed Hinerman | Jun 29, 2009 | bipolar disorder, insurance, life insurance
Just recently I was helping a client with bipolar disorder get life insurance for his young family. He had been declined before and told me that he wanted $500,000 of term insurance. After shopping the case we got an offer of potential preferred best rates from one...
by Ed Hinerman | Jun 26, 2009 | insurance, life insurance
In an article called Generations at Risk in a recent trade publication called insurancenewsnet magazine, LIMRA, an industry research organization divided the generations and laid out some interesting facts about our take on life insurance and where we buy it. Probably...
by Ed Hinerman | Jun 26, 2009 | insurance, life insurance, rate increase, term insurance
Reliastar has come up with a new approach to rate changes reminiscent of last fall’s presidential campaign. Their word to agent’s, Change is Good! They show the good side of their announcement, that some of their rates in a few selective places will...
by Ed Hinerman | Jun 25, 2009 | insurance, life insurance
It took an event like the current recession for many people to finally recognize the importance of life insurance in financial and retirement planning. Financial planners have always advocated the use of life insurance to cover the “what ifs” in your...
by Ed Hinerman | Jun 25, 2009 | cancer, heart attack, insurance, life insurance, mortality
Life insurance is, always has been and always will be, about offsetting those financial losses that come with premature death. The problem that most people have with the concept is, that in spite of all of the evidence to the contrary, they seem to have a hard time...
by Ed Hinerman | Jun 24, 2009 | Independent agent, insurance, life insurance
An ongoing discussion in this forum is the fact that for so many, the rates you end up paying for life insurance are higher than they need to be simply because you used the wrong agent who used the wrong company. I just want to review a few scenarios where, if your...
by Ed Hinerman | Jun 24, 2009 | insurance, life insurance
Another agent just passed on to me a true story that just defies logic on so many levels. When a person shows up to do your life insurance paramedical exam and ekg, it would be nice to have some confidence that they know what they’re doing. His client had an...
by Ed Hinerman | Jun 23, 2009 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
There is skin cancer, the most common cancer in the United States with over one million cases annually. Not to trivialize, but most of those cases are basal cell or squamous cell carcinoma and are generally easily and successfully treated. It is the third in the trio...
by Ed Hinerman | Jun 23, 2009 | final expense life insurance, insurance, life insurance, universal life, whole life
Some have noted that I’m more than just a little opinionated when organizations and companies try to sell overpriced, under guaranteed term insurance or whole life policies as final expense policies. First let’s kind of define the final expense need so...
by Ed Hinerman | Jun 23, 2009 | insurance, life insurance, private pilots
Behind every good man is a good woman the saying goes. That’s certainly true in my life. Also, behind every successful impaired risk life insurance agent is a talented, well connected General Agent. Impaired risk is an industry term that covers the full spectrum...
by Ed Hinerman | Jun 19, 2009 | insurance, life insurance
Here in Salida, CO on the beautiful Arkansas River we are currently enjoying the annual rafting and kayaking festival called Fibark. I’ve talked in the past about life insurance underwriting takes on hobbies such as skydiving and scuba diving. I’d like to...
by Ed Hinerman | Jun 18, 2009 | AARP, insurance, life insurance, New York Life
New York Life must be on a revenue generation mission. My latest AARP magazine had an advertisement for their AARP group term insurance with an increased limit I hadn’t seen before. You can now “add to your family’s financial security with up to...
by Ed Hinerman | Jun 18, 2009 | cigar smokers, insurance, life insurance
I will post this very quietly so as not to wake the life insurance underwriters who would likely leap on an article like this to do away with the great non smoking rates that cigar smoking applicants are getting right now. By the way, I haven’t seen this...
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