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Home » life insurance approval

When Business Life Insurance Is Hard To Get!

by Ed Hinerman | Sep 27, 2021 | business life insurance, CEO life insurance, HIV business life insurance, insurance, life insurance, life insurance approval

I wrote this post 4 years ago and there have been changes in business life insurance and specifically the SBA requirements, so here’s an update. Hope it helps. All the best. Business Life Insurance Proving Hard To Get? Let’s Change That Just because...

USAA Not The Best Choice For Life Insurance!

by Ed Hinerman | Nov 18, 2020 | ADHD, Anxiety, approval, life insurance, life insurance approval

I first wrote this post five years ago in reaction to a client who had put their faith in USAA. They were a veteran and, after all, USAA makes much of being America’s patriotic insurance company. Their experience with USAA was nothing short of insulting, not...

Declined For Life Insurance? How To Change That!

by Ed Hinerman | Nov 3, 2020 | decline, life insurance, life insurance approval

I wrote this post 4 years ago today and it could use updating and clarification. So, here I go, on task and laser focused, sort of…All the best. What Does Being Declined Mean? For those applying for life insurance there is nothing more disconcerting and...

Do You Need Help With Your Life Insurance?

by Ed Hinerman | Jul 13, 2020 | business life insurance, life insurance, life insurance approval

I wrote this in 2017 and, well the world has changed. Time for an update! Do You Love To Talk About Life Insurance? Aw, c’mon! Admit that you hide copies of Insurance News Net magazine in your closet. Do you secretly run quotes online for insane amounts of life...

Bait And Switch Life Insurance Alive And Well!

by Ed Hinerman | Jul 9, 2020 | approval, bait and switch, family history, life insurance, life insurance approval

When I wrote this in 2014 I was a little emotional about it. You would think I would calm down after 6 years, but I am updating this because, well, I’m mad. How Bait And Switch Happens Get the picture? Something is being offered that is not going to turn out...

Don’t Make The Wrong Choice With Life Insurance After Age 50

by Ed Hinerman | Jun 9, 2020 | AARP, life insurance, life insurance approval, life insurance exam, over 50 life insurance, over 60 life insurance

I first wrote this post in late 2018. It’s a subject I feel deeply about and have written about since I started this blog 13 years ago. Growing old is not for the faint of heart, and there are life insurance companies out there whose sole purpose is to scare you...

Prostate Cancer Watchful Waiting Life Insurance!

by Ed Hinerman | May 22, 2020 | life insurance, life insurance approval, prostate cancer, PSA

This post was first written September 2014, critical updates made May 2020 The Case For Prostate Cancer Active Surveillance There is no question that with today’s medical knowledge and technology, the idea of keeping an eye on a slow growing, low stage and grade...

Lab Results And Life Insurance!

by Ed Hinerman | May 11, 2020 | life insurance, life insurance approval, life insurance exam, medical records life insurance, no exam

This post was written in May 2017, critical updates May 2020 Life Insurance Exams And Labs Have Changed. A lot! When I broached this subject back in 2017 “no exam” life insurance was available through several companies, but at a significantly higher price...

Denied Life Insurance Due To A “High Risk” Medical Condition?

by Ed Hinerman | Apr 24, 2020 | cancer, diabetes, heart disease, life insurance, life insurance approval

Were You Denied Life Insurance Because Of A “High Risk” Medical Condition? Being declined for anything just feels wrong, right? Being denied a car loan when you know you can make the payments is kind of a personal affront. I mean the ads on TV are...

Should You Buy Guaranteed Issue Life Insurance?

by Ed Hinerman | Dec 19, 2019 | guaranteed issue life insurance, life insurance, life insurance approval

The definition couldn’t be much simpler. Guaranteed issue is a life insurance policy that the company guarantees it will issue and put in force no matter what health conditions you have. Some guaranteed issue life insurance companies have age limitations. Most...

How Does Marijuana Use Affect Life Insurance Rates?

by Ed Hinerman | Dec 6, 2019 | life insurance, life insurance approval, marijuana use

The Overview Up until about six years ago life insurance companies that would approve someone who admitted smoking pot, approved them at the same smoking rates that applied to cigarette smokers. There wasn’t a lot of underwriting logic to that decision other...

What Can You Do About Being Declined For Life Insurance?

by Ed Hinerman | Dec 4, 2019 | decline, life insurance, life insurance approval

Are you blackballed when you are declined for life insurance? In the 18th century blackballing was simply voting using a black versus white ball. In more recent times it came to mean a removing someone from consideration. Being blackballed Is serious stuff no matter...

When Can A Cancer Survivor Get Life Insurance?

by Ed Hinerman | Dec 4, 2019 | cancer, life insurance, life insurance approval

Can you get life insurance after completing cancer treatment? I wish the answer to that question was always yes. Since it’s not, let’s talk about the criteria that need to be met in order to get life insurance after completing cancer treatment. Most...

Can My Life Insurance Price Be Changed If My Health Changes?

by Ed Hinerman | Nov 27, 2019 | life insurance, life insurance approval, reconsideration

What if my health changes after I buy life insurance? There are plenty of precedents where insurance penalizes you when something happens. Car insurance immediately comes to mind when they raise your rates because you have a speeding ticket (or two). So, can your life...

The Latest On Bipolar 2 Life Insurance.

by Ed Hinerman | Aug 27, 2019 | bipolar, life insurance, life insurance approval, mood disorder life insurance, Uncategorized

As recently as 2013 it just wasn’t a stretch for Bipolar 2 life insurance to have a shot at getting the best rate class with some companies if you had well controlled bipolar II. The companies took into account all of the factors that should be relevant in...
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The Hinerman Group

Ed HinermanMy 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!

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