by Ed Hinerman | Jul 12, 2016 | HIV life insurance, HIV Positive, honesty, insurance, life insurance
Remember that famous book, “The Old Man and the HIV Life Insurance Market”? Yah, me too. But at this point I am considering the fact that the sea may burst forth as fresh water (it’s my poetic license right) before we see fair, consistent...
by Ed Hinerman | Jul 11, 2016 | application process, business life insurance, CEO life insurance, cognitive understanding, contestability period, contractual understanding, insurable interest, insurance, life insurance
Over the years I’ve run into plenty of families who only wished their mom or dad still understood and qualified for life insurance. It would likely be a blessing to the family to have it in force, but there’s a point where the family has to admit they’ve missed that...
by Ed Hinerman | Jul 6, 2016 | arrythmia, bait and switch, business life insurance, decline, HIV life insurance, HIV Positive, insurance, life insurance
The joke that is HIV+ life insurance underwriting that is. I guess that would be the first joke, that there is in fact underwriting of life insurance applications for those who have HIV+ and have applied for life insurance. The second joke is that they are actually...
by Ed Hinerman | Jul 3, 2016 | insurance, life insurance
Remember when we used to cry “Uncle” in order to be turned loose from some egregious death hold that a sibling or friend had on you. Uncle was almost always honored, at the very least after getting us to shriek or pee our pants a bit more. Well, Uncle!!!...
by Ed Hinerman | Jun 17, 2016 | bipolar, bipolar disorder, business life insurance, CEO life insurance, Depression, HIV life insurance, insurance, life insurance
I thought I was going to be famous when I figured out how to play a game of Monopoly, not even life insurance Monopoly, with four people in under a half hour, beginning to end. I think we could add Life insurance and make the game shorter. Just put one square out...
by Ed Hinerman | Jun 9, 2016 | bad customer service, customer service, insurance, lapse, life insurance, life insurance claim, life insurance lapse
I got an email blog post today touting a product, a monthly kind of email newsletter, product introduction tool that essentially lets life insurance agents off the hook for true customer service, as in, well, calling their customers annually, sending birthday cards,...
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 | May 28, 2016 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, mood disorder life insurance
I guess I certainly never claimed I was mood disorder free and in fact sometime during the life of this blog I likely owned up to long term mild depression and maybe a bit of anxiety. And until this last November I would have stuck to that story and made that my final...
by Ed Hinerman | May 5, 2016 | application process, Ex Patriot life insurance, Foreign National Life Insurance, foreign nationals, insurance, life insurance
I went to a barn dance a lot of years ago and discovered that doing the two step isn’t necessarily all about rhythm and footwork, but also knowing which direction to go. If you aren’t shuffling your way around the dance floor counter clock wise, you are...
by Ed Hinerman | May 4, 2016 | application process, business life insurance, buy/sell life insurance, CEO life insurance, HIV life insurance, HIV Positive, insurance, key man insurance, life insurance
Until very recently we have had to go almost exclusively to Lloyds of London for Key person, CEO loan collateral and buy/sell funding business life insurance when the client was HIV positive. There’s no need to beat redundant to death by going over all of the...
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 17, 2016 | business life insurance, buy/sell life insurance, CEO life insurance, insurable interest, insurance, International Business insurance, key man insurance, life insurance
The nice thing about having your own business is that, at least within the law, no one can tell you how to run it. We can recommend all we want that you flip those burgers just 15 seconds earlier or that you use gluten free beer in your beer battered fish filet, but...
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...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments