by Ed Hinerman | Feb 2, 2022 | life insurance
How Depression Affects Life Insurance We live in a country that was anxious, arguably for good reasons, even before the coronavirus pandemic. In a lot of cases anxiety can lead to depression and the severity of the depression is what life insurance companies look at....
by Ed Hinerman | Oct 29, 2021 | life insurance
Level term life insurance is a type of life insurance that lasts a predetermined number of years (the “term”) and is fairly straightforward. Under a level term life insurance policy, you pay premiums for coverage and the insurer provides a death benefit to...
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...
by Ed Hinerman | Apr 28, 2021 | diabetes, insurance, life insurance
It’s been 10 years since I wrote this post. A lot has changed in how life insurance companies view gestational diabetes. Some worse and some in the right direction. I hope bringing this up to date will be helpful. All the best. What’s The Fuss Over...
by Ed Hinerman | Apr 24, 2021 | breast cancer, insurance, life insurance
I wrote this post about 10 years ago. That was just a few years after my mother went through diagnosis and treatment for breast cancer and it gave me a whole new awareness of the aspects like stage and grade and treatment options. I hope updating the information (and...
by Ed Hinerman | Apr 14, 2021 | business life insurance, life insurance, Loan collateral life insurance
It’s Not Even In The Fine Print! There actually isn’t any fine print in the SBA loan requirements, so rest easy. I mean really rest easy, as in sitting in your favorite chair and settling in to read the 388 page guide to securing your SBA loan. I...
by Ed Hinerman | Apr 12, 2021 | insurance, life insurance, over 50 life insurance
This was first written back in 2011 and, strangely, the older I get the more it makes sense. I thought I would dust it off and see if could have some rewritten value added for you. All the best. Nothing Else Is The Same At 60 As It Was 30! Why Would Life Insurance Be...
by Ed Hinerman | Apr 10, 2021 | life insurance, replacement
Why Would You Want To Replace Your Current Life Insurance? There is a mindset with life insurance that once you have it in place, don’t mess with it. This is sound logic if you are satisfied with what you have and you know for a fact that it is the best product...
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...
by Ed Hinerman | Nov 10, 2020 | customer service, honesty, life insurance
I wrote this post the summer of 2016, a much simpler time in our country. The problem I addressed then is still around and just adding to the challenges our nation faces. I am updating this post because the fundamental question of who you trust always needs to remain...
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...
by Ed Hinerman | Oct 31, 2020 | atrial fibrillation, coronary artery disease (CAD), heart attack, heart disease, life insurance
I wrote this post three and a half years ago and there have been several positive changes in the life insurance underwriting of heart disease and heart disorders. I hope the updated information below will give you the answers you need about how to acquire life...
by Ed Hinerman | Oct 26, 2020 | income replacement, life insurance, over 50 life insurance
I wrote this post 8 years ago and now we are in a pandemic and life insurance is starting to come into focus for a lot of people, so thank you for accepting this update. All the best. The Way It Was! My Dad died 11 years ago this month at age 84 and had a total of...
by Ed Hinerman | Oct 20, 2020 | customer service, life insurance
I wrote this nearly 4 years ago and on review there are a number of points that need updated, so here you go. Do You Really Have The Best Price On Your Life Insurance? There are a number of ways you can end up paying too much for your life insurance like 1. Not all...
by Ed Hinerman | Oct 14, 2020 | insurance, insurance quotes, life insurance
I wrote this post early last year, but just had an experience that inspired me to update the post and bring a little information to the table. Shopping For Life Insurance Can Be OK Or Seriously Annoying. Why? In life insurance it isn’t even like those incessant...
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