by Ed Hinerman | Apr 6, 2008 | Independent agent, insurance, life insurance, obesity
My vote for the biggest rub in life insurance underwriting is weight. Easily the most disgruntled life insurance client is when they are told that their insurance is going to cost more because they guessed their weight wrong, or they weren’t really 6’2, but 6’1...
by Ed Hinerman | Apr 4, 2008 | children's life insurance, Depression, insurance, life insurance
How can you charge so much money for the education it takes to become a doctor and never teach them about the impact of poorly kept medical records? There is a huge problem in the integrity of the information that is put into medical records. It runs from casually...
by Ed Hinerman | Apr 3, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
40 years ago it was a rare thing to hear of someone who was on medication for depression. Of course back then people really didn’t talk about “those kind†of problems very openly. Treatment options were generally restricted to visiting a psychologist, therapist,...
by Ed Hinerman | Apr 2, 2008 | DUI, insurance, life insurance, private pilots
If you want to get a life insurance underwriter’s attention, talk about your history of alcohol or drug abuse. Tell them about your DUI or history of DUI’s. A good independent agent is going to ask about any history of alcohol abuse, treatment for alcohol or drug...
by Ed Hinerman | Mar 31, 2008 | insurance, life insurance
Last year it was all the students and teachers killed on the Virginia Tech campus. Before that, Columbine High in Denver. What about 9/11? Things like that are just so hard to fathom. Who among us hasn’t received an email or a phone call telling us how a common...
by Ed Hinerman | Mar 29, 2008 | bipolar disorder, diabetes, insurance, life insurance
You think I get excited about this stuff. You should talk to the people who have been battling the bipolar/life insurance battle for years and getting their rears kicked by insurance companies. They keep getting told that they are bipolar, therefore they are...
by Ed Hinerman | Mar 27, 2008 | insurance, life insurance
Oh, if only it were as simple as some people think. Determining mortality assumptions for the purposes of life insurance rates is, well, really, really complicated stuff. I was kicking around Google and came across an article with enough information to choke a horse...
by Ed Hinerman | Mar 26, 2008 | cancer, insurance, life insurance, prayer
Hard to believe it’s been 15 months since my dad was diagnosed with a stage 3, grade 4 bladder cancer. When it breached the wall of his bladder and dispersed to other areas of his body, well, the medical prognosis just wasn’t that good. When, at age 85,...
by Ed Hinerman | Mar 26, 2008 | decline, insurance, life insurance
Probably one of the most common misconceptions about life insurance and the application process has to do with how a decline from one company will impact another application. Clients often worry about the fact that virtually all life insurance applications ask whether...
by Ed Hinerman | Mar 26, 2008 | Independent agent, insurance, life insurance, term insurance
I’ve talked to so many people that assume they are all set because their job offers a cheap group life insurance plan. I’ll be the first to say that if it’s inexpensive I think you ought to take advantage of it. What is a concern to me and should be to you, is...
by Ed Hinerman | Mar 25, 2008 | insurance, life insurance, term insurance, universal life, whole life
Life insurance shouldn’t be a luxury. Something that you can buy when times are good and can be dropped when things get tight. The need for life insurance, if anything, is more essential during bad economic times. Not that there is a good time to leave a family...
by Ed Hinerman | Mar 24, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
For all of you that have applied for life insurance and smoke cigars, and didn’t use the right company and agent, you’ve felt the sting of smoker rates. In general, cigarette smokers will spend 2-3 times what a non smoker will spend on life insurance given...
by Ed Hinerman | Mar 21, 2008 | bipolar disorder, blood pressure, diabetes, high blood pressure, Independent agent, insurance, life insurance
We have talked a lot about and frankly I am excited about the results we are getting for clients with bipolar disorder with their applications for life insurance. Where the need seems to be the greatest is among professionals and business people who need substantial...
by Ed Hinerman | Mar 20, 2008 | insurance, life insurance
Medical mistakes kill and disfigure close to 100,000 people in this country every year. That’s why, no surprise, life insurance underwriters will almost always postpone approval on a policy until after any scheduled procedure. I remember finding it amusing when...
by Ed Hinerman | Mar 19, 2008 | foreign travel, insurance, life insurance, skydiving
If you are planning a trip to the Olympics this summer, it’s time for a life insurance checkup to make sure you are covered for foreign travel, and if you are considering increasing coverage before you go, you need to apply now. Most life insurance you have in...
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