by Ed Hinerman | Dec 26, 2013 | bipolar, bipolar disorder, CEO life insurance, insurance, insurance quotes, life insurance, life insurance approval
If being approved for life insurance was guaranteed then there would be no need for independent life insurance agents that specialize in impaired risk underwriting and know how to pick up the pieces after an underwriting train wreck and get things back on track. The...
by Ed Hinerman | Dec 19, 2013 | business life insurance, insurable interest, insurance, key man insurance, life insurance
Having served on a town council in the past, my opinion is the more the municipality is treated as a business the better it works for everyone involved. From where I sit today I can see instance after instance where the lack of planning for a small expenditure, key...
by Ed Hinerman | Dec 12, 2013 | approval, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, decline, insurance, International Business insurance, life insurance, life insurance approval
It’s been amazing when I put the word out that I could business life insurance in tough situations quickly to see how many professionals I’ve been able to help when they are truly in a jam. The scenario usually goes something like one of these, 1. A...
by Ed Hinerman | Dec 10, 2013 | Alcohol Treatment Life Insurance, approval, CEO life insurance, impaired risk life insurance, insurance, insurance quotes, life insurance, life insurance approval, life insurance underwriting
One of those set in stone rules that we have lived with for years in life insurance underwriting just got a new look and possibly a question that may not make the answer as black and white as most underwriters would like it to be. I am currently shopping a case where...
by Ed Hinerman | Dec 5, 2013 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
Feeling a little blindsided right now. I tread very carefully when it comes to any dramatic change in underwriting and as I’ve outlined in numerous posts, just recently two companies approached me saying that they were willing to underwrite HIV positive up to...
by Ed Hinerman | Nov 26, 2013 | insurance, life insurance, life insurance approval, smoking
Back in the day there was a company that underwrote life insurance for “social smokers”, which by their definition was anyone who smoked maybe two or three cigarettes a day. That was US Financial, the author and creator of the clinical underwriting idea....
by Ed Hinerman | Nov 25, 2013 | bipolar, bipolar disorder, decline, Depression, HIV life insurance, insurance, life insurance, life insurance approval, prostate cancer
With all the great things happening on so many fronts I thought it prudent to bring things up to date on mood disorder life insurance and specifically the continued success we are having placing well controlled bipolar disorder. Even with major breakthroughs in life...
by Ed Hinerman | Nov 21, 2013 | customer service, executives, insurance, life insurance
Are you ready to celebrate the 50th anniversary of Mutual of Omaha’s never ending show Wild Kingdom. I was an obnoxious 10 year old when Marlin Perkins first took over our TV’s and started teaching us how life and health insurance were delicately woven...
by Ed Hinerman | Nov 7, 2013 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
When you do a search for life insurance for HIV positive on Google you would have to believe that all that is still available is what has always been available, final expense guaranteed issue life and burial guaranteed issue life. These are small (less than $50,000)...
by Ed Hinerman | Nov 6, 2013 | insurance, life insurance, term insurance, universal life, variable universal life, whole life
I was following a conversation in another blog a few days ago and one guy’s opinion was that term life insurance isn’t worth the paper it’s written on because, according to him, only 1.7% of term life insurance policies ever pay an actual claim. The...
by Ed Hinerman | Nov 4, 2013 | approval, decline, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
I’ve said often enough to be considered redundant beyond reproach that a decline for life insurance is a good place to start. The thing about a decline is it flushes out all of the details that might have simply not been understood or forgotten by the client and...
by Ed Hinerman | Nov 1, 2013 | children's life insurance, insurable interest, insurance, life insurance
There are a few things that, if we didn’t learn it from our own lives, we can count on to be true about our children. 1. If they take off in the wrong direction early (drinking, drugs, accidental single parenthood), and aren’t quick to turn around, they...
by Ed Hinerman | Oct 29, 2013 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval, prostate cancer, PSA
Prostate cancer has been one of the easier cancers for life insurance underwriting for a long time, but the criteria for those low stage and grade cases has been expanded to areas not seen before. In recent weeks I’ve been all over this forum about breakthroughs...
by Ed Hinerman | Oct 28, 2013 | guaranteed issue life insurance, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval, life insurance for gay couples, term insurance, universal life
Just a month ago there was only one step to getting life insurance if you were HIV positive. You filled out an application for guaranteed issue life insurance and sent in money, lots of money. Guaranteed issue whole life insurance was your only choice and even though...
by Ed Hinerman | Oct 17, 2013 | Active Duty Military Life Insurance, insurance, insurance quotes, life insurance, life insurance approval, life insurance claim, Met Life
As much as I’m not a huge fan of the Met Life active duty life insurance stance, after these past few weeks, for those who qualify, it might be worth considering. My gripe with the way they offer their life insurance program for active duty military is that they...
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