by Ed Hinerman | Oct 20, 2014 | disability, heart disease, insurance, insurance quotes, life insurance, ratings
I’m working on a case right now, a tricky case because it involves life insurance for someone age 69, who was diagnosed with heart disease and diabetes 10 years ago. He had a one vessel angioplasty with a stent and was on medication for both issues, until he...
by Ed Hinerman | Sep 23, 2014 | family history, life insurance, life insurance approval, prostate cancer, PSA
I’m working with a former Selectquote life insurance client. He applied through them and his application was postponed due to a PSA (prostate specific antigen) on his life insurance exam labs of 4.67, below 4 being normal. The company wanted the proposed insured...
by Ed Hinerman | Sep 17, 2014 | AARP, conversion, Conversion to a permanent product, Independent agent, insurance, insurance quotes, life insurance, Protective Life, term insurance, Type 2 diabetes, whole life
I got a call a few days ago from a couple who are both 74 years old. They have had Protective term life insurance in force for several years and decided to look at converting $25,000 for final expense purposes since their conversion option ends next year. Seeing...
by Ed Hinerman | Aug 28, 2014 | business life insurance, cash value, guaranteed level premium, income replacement, insurance, life insurance, over 50 life insurance
I know that the permanent life insurance guys would like you to believe that your need for life insurance might grow as you age or at least stay the same, but the facts of life really point in the opposite direction. Life insurance needs generally become smaller as...
by Ed Hinerman | Aug 21, 2014 | Burial insurance, conversion, Conversion to a permanent product, final expense life insurance, financial adviser, honesty, insurance, life insurance, no lapse guarantee, term insurance, universal life
Hopefully that got your attention if you have a Genworth Life or First Colony “Colony series” term life insurance policy. The company had to make a business decision about their low cost super competitive term conversion product, the Genguard no lapse...
by Ed Hinerman | Aug 20, 2014 | conversion, insurance, life insurance, no lapse guarantee, term insurance, universal life
Genworth Life and Annuity, formerly First Colony, issued a statement today saying that as of Steptember 2, 2014 they will be raising rates on their Genguard No Lapse universal life conversion product by 50% to 60%. This is really no big deal unless you happen to own a...
by Ed Hinerman | Aug 20, 2014 | beneficiary, business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, impaired risk life insurance, insurance, life insurance, private pilots
I’ve helped orchestrate business life insurance for everything from the simple loan collateral policy to complicated stock repurchase plans, but what all business life insurance has in common is business succession, making sure the business survives in the event...
by Ed Hinerman | Aug 13, 2014 | beneficiary, bipolar, bipolar disorder, Depression, life insurance, suicide clause
In the wake of Robin William’s death I believe he would appreciate some honest and open dialogue about mental illness and in particular his nemesis, bipolar disorder. For anyone that might think I’m just trying to milk a key word moment out of tragedy, you...
by Ed Hinerman | Aug 12, 2014 | Anxiety, CEO life insurance, Depression, insurance, life insurance, life insurance approval, Sleep apnea
People living with sleep apnea are at risk of dying and that seems to be what troubles the majority of life insurance companies and life insurance underwriters. The same could be said for people living with anxiety or mild depression. In this time we’re living...
by Ed Hinerman | Jul 22, 2014 | application process, approval, budget, children's life insurance, final expense life insurance, insurance, life insurance
None of your business, right? Life insurance is a personal choice and is generally between spouses, but let me just lay some thoughts out there so you can better understand why you understanding their life insurance status can be a big help to them. On average I would...
by Ed Hinerman | Jul 3, 2014 | angioplasty, approval, business life insurance, coronary artery disease (CAD), executives, family history, heart disease, insurance, life insurance, life insurance approval, life insurance underwriting
I’m working on one of those stranger than fiction life insurance cases right now. When I shopped it and got the first round of responses I literally sent all of them back out and ask them if they had read my request correctly. Surely they had missed something...
by Ed Hinerman | Jul 1, 2014 | assumptions, beneficiary, compliance, contingent beneficiary, death benefit, insurable interest, insurance, life insurance, life insurance claim
“Dad said he had life insurance but we can’t find a policy and don’t know what company it was with”! “My husband told me not to worry because he had a life insurance policy that would take care of everything, but now that he’s gone...
by Ed Hinerman | Jun 25, 2014 | Banner Life, conversion, Conversion to a permanent product, guarantee, guaranteed level premium, insurance, life insurance, lifetime guaranteed UL, no lapse guarantee, rate increase, universal life, whole life
Look! It’s a bird! It’s a plane! Naw, it’s just that Hinerman guy yelling about the life insurance conversion sky falling again. But in my defense consider these events and then consider listening this time. 1. Protective Life did away with their no...
by Ed Hinerman | Jun 25, 2014 | A1c, approval, CEO life insurance, decline, insurance, life insurance, life insurance approval, Type 1 diabetes
Using the tax free death benefit of life insurance for estate protection sure isn’t a new idea, but consider the challenge of a widow that has too much income, not as rare as I thought. I am working with a woman in her early 70’s, a retired company CEO,...
by Ed Hinerman | Jun 23, 2014 | CEO life insurance, hazardous activities, Independent agent, insurance, life insurance, life insurance approval, life insurance underwriting, pilot, private pilots, student pilot
With the economy doing a little better private pilots, aviation instructors and commercial pilots are checking their life insurance and getting back off the ground. When a gallon of fuel was worth almost as much as the aircraft especially the private pilots and...
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