by Ed Hinerman | Oct 24, 2016 | grace period, insurance, lapse, life insurance, life insurance lapse, past due life insurance premium, reinstatement
With the exception of those who are just gifted with bill paying prowess and those of us who take the chicken route of putting our life insurance on an automatic bank draft, at some point the others have a good chance of having their life insurance lapse. A life...
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 20, 2016 | AARP, appropriate life insurance recommendation, life insurance
I have wished, for the dozen or so years that I have been writing about AARP/New York Life, that something would change in favor of the senior citizens that AARP claims to be the greatest advocate for. I have wished that New York Life, an otherwise respectable life...
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...
by Ed Hinerman | Oct 19, 2016 | application process, approval, cigar smokers, clinical underwriting, height and weight, insurance, life insurance, mood disorder life insurance, prostate cancer, Prudential
I’ve mentioned probably more often than I’ve needed to that I shop even some of the simplest cases, probably every case that isn’t a slam dunk, no health issue, preferred plus. This makes sense for me and my clients because my clients will know ahead...
by Ed Hinerman | Oct 17, 2016 | indexed universal life, insurance, life insurance, term insurance, universal life, whole life
Term life insurance vs whole life? Term life insurance vs universal life? Term life insurance vs indexed or variable universal life? Term life insurance vs other term life? The life insurance industry has made much of these questions over the years and two things are...
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 | Oct 12, 2016 | decline, insurance, life insurance, non compliance with doctor
Believe me I get that we’re all grownups here and ultimately we are, in spite of our doctor’s opinion, in charge of our own health care. Let me share a personal story and then we’ll see how that looks for the rest of you, especially in relation to...
by Ed Hinerman | Oct 11, 2016 | business life insurance, CEO life insurance, executives, insurance, last minute life insurance, life insurance
With personal life insurance there is very seldom a reason to panic if there is a delay or an unexpected decline that needs to be worked on to overcome. I know it happens anyway (the panic), especially when there has been a decline, but given a little time and the...
by Ed Hinerman | Oct 11, 2016 | bad customer service, conversion, customer service, insurance, life insurance, term insurance
Well gosh, it makes no sense to run from good customer service if you’re the customer. Especially a life insurance customer, and I say that for reasons I’ll explain in this post. You want it. It makes you feel respected. You deserve it!! But here’s...
by Ed Hinerman | Oct 7, 2016 | death benefit, insurance, life insurance, life insurance claim, life insurance claim process
As much as people don’t like insurance companies, well, here’s one more reason. I should be talking about all the reasons to like and trust them, but when they intentionally try to get out of doing the right thing, they are fair game. There is a thing in...
by Ed Hinerman | Oct 5, 2016 | contestability, contestability period, life insurance, life insurance claim
If you ask most people if there is going to be a fight that ensues when they file a claim for life insurance, they would say that the chances of coming out unscathed with the money is slim to none. This is a case of a few cases driving the majority of opinions, often...
by Ed Hinerman | Oct 3, 2016 | application process, guarantee, indexed universal life, insurance, life insurance, rate increase, retirement life insurance, term insurance, universal life
This is the 2015 version of the age old question, why term versus whole life? Some of the answers are the same and some are vastly different, I would say even dangerously different for those who are serious about their needs and just looking for the right product to...
by Ed Hinerman | Sep 23, 2016 | decline, impaired risk life insurance, insurance, life insurance
How many times have conversations with prospective life insurance clients started with, “I was declined by 1, 2 or even 6 companies so I’m sure I’m not insurable”!! Let me just jump up and say that you aren’t that one life insurance agent...
by Ed Hinerman | Sep 22, 2016 | customer service, guarantee, insurance, life insurance
Oops is one of those words you don’t want to hear from a surgeon or a life insurance agent. Oops, I meant to remove the other kidney! Oops I forgot to do an life insurance annual review so you would remember that your policy, one being paid on an automatic bank...
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