by Ed Hinerman | Oct 13, 2016 | approval, breast cancer, cancer, insurance, life insurance, life insurance approval, prostate cancer
It’s no secret that with most types of cancer life insurance can be something of a hassle, if not impossible, to get even when a large amount of time has passed. When I say most things are sort of tilted in favor of that statement just because there are so many...
by Ed Hinerman | Aug 2, 2016 | ADHD, Anxiety, bipolar disorder, CEO life insurance, Depression, executives, insurance, life insurance, life insurance approval
Well before I was known for being someone with bipolar disorder, a reasonably stable, high functioning someone with bipolar disorder, I was the go to guy in the US, most of Canada, Mexico, Central America and the Caribbean for those in need of life insurance who...
by Ed Hinerman | Jul 31, 2016 | appropriate life insurance recommendation, approval, clinical underwriting, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Over the years I’ve talked about the 1% of life insurance companies that actually address both issues that matter the most to clients, approval and price. Being the grandiose kind of guy I am I was thinking about this in the context of a universe of companies,...
by Ed Hinerman | Jul 25, 2016 | budget, insurance, insurance quotes, life insurance, life insurance approval, over 50 life insurance, shopping for the best life insurance
For the sake of this post let’s assume that from a life insurance perspective we would all live to about 90, well above the average mortality rate at least for Americans. And we’ll call that perfect! So life insurance should be free, right, if we all live...
by Ed Hinerman | Jul 15, 2016 | ADHD, Attention Deficit Disorder, bipolar, bipolar disorder, business life insurance, CEO life insurance, executives, insurance, life insurance, life insurance approval
I had a situation come up about a month ago, just a few days after being diagnosed bipolar II. It was amazing how quickly that diagnosis snapped a good bit of my teen and adult years into focus and I think in a lot of ways pointed a light at my business success and my...
by Ed Hinerman | Jun 9, 2016 | abnormal ekg, abnormal labs, atrial fibrillation, business life insurance, CEO life insurance, doctor's recommendation, insurance, life insurance, life insurance approval
We’ve discussed BNP and proBNP in this forum before and the life insurance underwriting, or lack of, that goes with a high reading. Much like some companies used to do with the liver function test GGT, the underwriter would immediately assume they client drinks...
by Ed Hinerman | Apr 26, 2016 | application process, approval, bipolar disorder, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
Those of you who have read this journey with me know that it has been a decidedly unfriendly trip since, almost two years ago now, the first life insurance companies said they were ready to entertain the underwriting of traditional life insurance for well controlled...
by Ed Hinerman | Mar 19, 2016 | Anxiety, Attention Deficit Disorder, bipolar disorder, Depression, insurance, life insurance, life insurance approval, mood disorder life insurance
Life insurance companies are humorous in the way they run toward good business and just as easily get cold feet and run away from it. They’ve told us since God created the heavens and the earth and life insurance that the factors that make up life insurance...
by Ed Hinerman | Mar 15, 2016 | application process, customer service, insurance, life insurance, life insurance approval
When I first got a taste of the insurance business I was 25 and got hired by Mutual of Omaha. Back in those days there was a real emphasis on training, some good and some not so good. After I started I spent two weeks all expense paid vacation (school) in Omaha and I...
by Ed Hinerman | Mar 14, 2016 | age nearest, backdating to save age, customer service, insurance, insurance quotes, life insurance, life insurance approval
How many phone calls or emails have I received suggesting that I must have made a mistake on a client’s life insurance quote because they’re really, for instance, age 50, not 51. Trust me! At my age adding a year to my life that I haven’t earned yet...
by Ed Hinerman | Mar 8, 2016 | application process, approval, bipolar disorder, business life insurance, doctor's recommendation, insurance, life insurance, life insurance approval, life insurance exam, life insurance underwriting
So here you are. You’ve made up your mind that you need life insurance to protect your family or your business. You’ve found an agent that you are comfortable with, an agent that seems knowledgeable about different types and reasons for life insurance,...
by Ed Hinerman | Jan 29, 2016 | application process, approval, bipolar disorder, business life insurance, CEO life insurance, decline, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Ah, the sting of being declined or being rated practically to death when you apply for life insurance. Do they really think you are on death’s door or do they just dislike you personally? Perhaps that life insurance company has a quota that limits the amount of...
by Ed Hinerman | Jan 26, 2016 | ADHD, Anxiety, approval, bipolar disorder, breast cancer, business life insurance, CEO life insurance, compliance, decline, Depression, insurance, life insurance, life insurance approval, physicians life insurance
Now there’s a calming thought. You’re still alive, traumatized from head to toe from a car to moose gathering on the highways of Maine and you’ve made it to the hospital. The doctor and nurse start working and you relax as you know that you are with...
by Ed Hinerman | Jan 13, 2016 | AIG, application process, customer service, Independent agent, insurance, life insurance, life insurance approval, life insurance underwriting
Oh I wish! While there are still some bastions of sanity in the life insurance industry it seems like they have become few and remote. While I like my vacation islands in that category I can tell you that few and remote is not the way client friendly, good customer...
by Ed Hinerman | Oct 29, 2015 | approval, bipolar disorder, business life insurance, buy/sell life insurance, CEO life insurance, executives, insurance, key man insurance, life insurance, life insurance approval
The old saying goes, “Lack of planning on your part doesn’t constitute an emergency on my part”. But there are times, especially with business life insurance where all the planning in the world is derailed by the unforeseen and you need an agent who...
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