by Ed Hinerman | Jul 5, 2017 | business life insurance, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval, personal life insurance, Type 1 diabetes
With the king sized jacking around that life insurance companies are giving HIV+ clients and the agents that fight for them I am occasionally left wondering if the whole game is worth it. Life insurance companies seem to decline and very rarely approve these policies...
by Ed Hinerman | May 16, 2017 | application process, business life insurance, buy/sell life insurance, Cannabis business life insurance, CEO life insurance, HIV business life insurance, insurance, life insurance, life insurance approval
We’ve discussed at length (some would say ad nauseum) in this forum about the critical need for business life insurance for the key people in your company. The CEO having key person life insurance is going to be demanded by lenders as your business grows and...
by Ed Hinerman | May 16, 2017 | impaired risk life insurance, insurance, life insurance, life insurance approval
It’s an interesting conundrum that the same thing could contribute so much to my success, and my failure, depending on how patient any given potential client is. I don’t deny that I can be, not demanding, but insistent on my clients being involved in our...
by Ed Hinerman | Apr 25, 2017 | business life insurance, CEO life insurance, insurance, insurance quotes, life insurance, life insurance approval
I talk often and loudly about how many people, through no fault of their own, end up paying too much for life insurance. That’s the first crime usually inflicted by using the wrong agent who used the wrong company. The second crime is when you, the life...
by Ed Hinerman | Apr 24, 2017 | bipolar disorder, business life insurance, buy/sell life insurance, insurance, life insurance, life insurance approval
I’ve talked to and helped enough people over the last 16 years, PTIE, post traumatic insurance experience, to know that when people say they were treated unfairly when applying for life insurance they usually really were. The majority of unfair life insurance...
by Ed Hinerman | Apr 22, 2017 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, life insurance, life insurance approval, Marijuana business life insurance
Every new or growing business in need of capital to move things along has to choose a source, a bank, an investor or a partner and in all three of those scenarios any substantial investment in your new enterprise is going to require business life insurance as...
by Ed Hinerman | Apr 6, 2017 | business life insurance, Cannabis business life insurance, CEO life insurance, Civilian War Zone Coverage, executives, insurance, life insurance, life insurance approval, Marijuana business life insurance
For all of those investors and entrepreneurs who saw the legalization of medical and recreational marijuana coming and took advantage of it, good job. All of us in business, if we weren’t, wish we could have been on the first elevator up to an opportunity that...
by Ed Hinerman | Mar 20, 2017 | business life insurance, CEO life insurance, insurance, insurance quotes, life insurance, life insurance approval
How’s this for shock value? Life insurance agents get into the business to make money and there are times when how much money they are going to make may, just may, skew their recommendation on what product you should buy. No really! That can happen one of two...
by Ed Hinerman | Mar 15, 2017 | gastric bypass, insurance, life insurance, life insurance approval
It’s been quite a while since I’ve updated Life insurance underwriting guidelines and prices for those who have had a gastric bypass surgery. I shopped the question over the last week so have up to date looks from a large number of life insurance companies...
by Ed Hinerman | Feb 20, 2017 | approval, Hep C Cure, hepatitis, insurance, life insurance, life insurance approval
Before all of you who have been cured by Harvoni jump on the phone expecting the life insurance results in the title of this blog post, let me throw a couple of * * up. Wait a minute. That looks like I said something bad. Let’s talk caveats to that best class...
by Ed Hinerman | Nov 21, 2016 | compliance, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes, Type 2 diabetes
I suppose with that title this post could go about any direction, but what I had in mind was life insurance as affected by type 1 and type 2 diabetes. Both types of diabetes, given optimal age of onset, current age and control as measured by your quarterly A1c...
by Ed Hinerman | Nov 1, 2016 | breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer
Let me start by saying that I’ve got good news and other news when it comes to life insurance underwriting of cancers, whether something simple like early stage and grade melanoma or early stage insitu breast cancer to later stage bladder cancer or colon cancer...
by Ed Hinerman | Oct 26, 2016 | budget, customer service, honesty, insurance, life insurance, life insurance approval
Well, aren’t I just full of myself. I hope I don’t come off that way, but honestly there are numerous strengths we have that you can’t just find by the luck of the draw. There are 200,000 plus life insurance agents out there and without flinching I...
by Ed Hinerman | Oct 21, 2016 | application process, approval, decline, insurance, life insurance, life insurance approval
Have you ever been declined for life insurance or been treated unfairly in the underwriting process. I’m not talking about being declined with stage 3 colon cancer or not getting the best rate class because you missed the height and weight guideline for that...
by Ed Hinerman | Oct 19, 2016 | approval, business life insurance, insurance, life insurance, life insurance approval, multiple sclerosis
I have a client with Multiple Sclerosis that we first got life insurance for a few years ago and I encouraged her to let me shop it again this year. I felt like, given her continued great control and mild nature of the MS that we could do better than the original mid...
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