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...
by Ed Hinerman | Mar 6, 2019 | life insurance, life insurance approval, no exam
Before everyone jumps on this no exam life insurance offer, and I get a call from everyone who wants life insurance but doesn’t have time for an exam, let me preface the good news with this…excellent health is a must. The company making this offer also...
by Ed Hinerman | Nov 6, 2018 | atrial fibrillation, business life insurance, CEO life insurance, insurance, life insurance, life insurance approval
So, BNP (natriuretic peptide). What the heck is it? In layman’s terms (so I can understand it), BNP is a protein release by the heart that could indicate congestive heart failure. But listen up all of you life insurance underwriters……It could mean a...
by Ed Hinerman | Nov 5, 2018 | insurance, life insurance, life insurance approval, medical records life insurance, Sleep apnea
If the Wall St Journal was doing an article on life insurance applications and how underwriters interpret your medical records they would have their hands full. Without exaggerating most medical records contain errors and ambiguous notes. To be fair to the...
by Ed Hinerman | Nov 5, 2018 | life insurance, life insurance approval
Less than 1% of life insurance companies truly underwrite an application for someone with serious health conditions and take more than just that condition into account. There are rumors or urban myths that if you have a serious health condition, whether that is...
by Ed Hinerman | Oct 13, 2018 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, life insurance, life insurance approval
It’s what we’re all looking for when we finally get around to the task of acquiring life insurance, a great deal. For each of us that can be defined differently. For many of my clients just finding a company that will approve a life insurance policy is a...
by Ed Hinerman | Sep 13, 2018 | Covid-19, life insurance approval, prostate cancer, prostate cancer watchful waiting
I wrote the post below a few years ago and things have been changing, so here is an updated version of the information. The Way It’s Been I’ve written for years about the best underwriting and life insurance prices available for those with treated and...
by Ed Hinerman | Apr 10, 2018 | business life insurance, CEO life insurance, Foreign National Life Insurance, insurance, life insurance, life insurance approval
I am still shaking my head over the news I got today from the last bastion of reasonable foreign national life insurance underwriting. Most US life insurance companies had gone south in this niche a few years ago, heading their life insurance guidelines for foreign...
by Ed Hinerman | Feb 16, 2018 | business life insurance, buy/sell life insurance, CEO life insurance, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
Having just placed a $9 million business life insurance key man policy, I can tell you that the welcome mat is out for those in business or for personal needs who have well controlled HIV. It’s no secret that being HIV+ has changed medically with, in many cases,...
by Ed Hinerman | Feb 12, 2018 | appropriate life insurance recommendation, budget, business life insurance, CEO life insurance, Dave Ramsey, guarantee, insurance, life insurance, life insurance approval
They aren’t hiding in plain sight! They aren’t where you would expect to find them with the super giant on line life insurance agencies like Selectquote or Reliaquote. Selectquote says on their website that, “You’re just a few steps away from...
by Ed Hinerman | Feb 3, 2018 | business life insurance, CEO life insurance, clinical underwriting, Hep C Cure, HIV business life insurance, insurance, life insurance, life insurance approval, Type 1 diabetes
To say that the nature, the underwriting and the life insurance products have changed and changed remarkably over the last 10 years is an understatement. There is the old world of life insurance and now we are really, truly living in a new world and customers, both...
by Ed Hinerman | Dec 4, 2017 | business life insurance, buy/sell life insurance, CEO life insurance, insurance, life insurance, life insurance approval
This is a step above, maybe several steps above your spouse suggesting that it is time for you to get life insurance. You should listen to your spouse because this is usually an awkward subject to bring up which means something important has triggered the request....
by Ed Hinerman | Oct 25, 2017 | appropriate life insurance recommendation, bait and switch, budget, insurance, life insurance, life insurance approval
Big old double asterisk here**. In consideration of replacing your life insurance policy with a new one that has potentially better rates or more death benefit or a longer (or shorter) term length, NEVER, and I really mean never, cancel the policy you want to get rid...
by Ed Hinerman | Aug 8, 2017 | approval, CEO life insurance, compliance, Conversion to a permanent product, guaranteed level premium, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
Now that’s what I’ve been talking about for years. For every effort and struggle I’ve gone through on behalf of fair life insurance treatment for HIV+ clients, you, the clients, have been the people that have suffered for so long. Unable to provide...
by Ed Hinerman | Aug 3, 2017 | approval, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
What a slow, slow dance this has been trying to find a company, wait for a company, invent a company…that would take the HIV+ life insurance market seriously. At last count we have been through six big name companies that have sworn they were in the HIV+ life...
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