by Ed Hinerman | Dec 14, 2011 | insurance, life insurance, melanoma, pilot, private pilots, Type 1 diabetes
What a crazy year for underwriting life insurance. There have been shifts all over the map from type 1 diabetes to melanoma history, with some of the best news coming for private pilots. It’s been quite a while since we’ve had as many solid players in the...
by Ed Hinerman | Dec 13, 2011 | A1c, budget, diabetes, insurance, life insurance
I got an email from some clients a few days ago. In spite of their best efforts their small business had fallen off so badly a few years ago that the husband made the decision to let the life insurance they had in force lapse. I’ve been staying in touch waiting...
by Ed Hinerman | Dec 12, 2011 | Anxiety, gastric bypass, insurance, life insurance
When I came up with a title for this post it made me chuckle. It seemed so familiar….but we’re not talking about my granddaughter. This is about life insurance and specifically the negative impact you can have on your application by not following through...
by Ed Hinerman | Dec 9, 2011 | A1c, diabetes, foreign nationals, Infinite banking, insurance, life insurance, prostate cancer, Sleep apnea
I’ve been writing long enough that I am bound to be a little redundiferous at times, but I don’t think it can be said too many times. If you use the wrong agent to buy life insurance, who picks the wrong company for your situation, you will not enjoy a...
by Ed Hinerman | Dec 7, 2011 | business life insurance, buy/sell life insurance, cancer, Foreign National Life Insurance, foreign nationals, Infinite banking, insurance, life insurance, whole life
Big giant disclaimer. We have found several highly rated US life insurance companies that will write foreign nationals living in the US and foreign nationals living outside the US. I have kept this fairly low key until I worked through a few cases, one in Jamaica, one...
by Ed Hinerman | Dec 6, 2011 | cholesterol, Independent agent, insurance, insurance quotes, life insurance
Where has our American “get er done” philosophy gone? It seems like I run into cases everyday where a person’s life insurance agent gives up if they application is not approved at the rate they thought their customer would get, or even declined. I...
by Ed Hinerman | Dec 5, 2011 | conversion, insurance, life insurance, over 50 life insurance, term insurance, universal life, West Coast Life
As West Coast Life dips slowly below the sunset, absorbed by their sister company Protective Life, I can only say, well, I actually can’t say it. Never has a company deserved to come to an end more than West Coast Life. Please don’t think these words have...
by Ed Hinerman | Dec 3, 2011 | Anxiety, bipolar, bipolar disorder, blood pressure, cholesterol, Depression, insurance, life insurance
It’s 2011 for a little while longer and it seems that only a few life insurance companies have caught on to the fact that life in our great country is a little more stressful than it used to be. You don’t need to look any further than the CDC (Center for...
by Ed Hinerman | Dec 1, 2011 | Biggest Loser, diabetes, heart disease, insurance, life insurance, obesity
There is probably no one more prevalent issue that affects life insurance underwriting more than weight. With 30+% of our country meeting the criteria for being obese, face it, every application we get has a 1 in 3 chance of build and BMI being an underwriting issue....
by Ed Hinerman | Nov 30, 2011 | accidental death, civilian contractors, Civilian War Zone Coverage, insurance, life insurance
Is accidental death insurance worth it? Your average run of the mill accidental death policy, or for that matter an accidental death rider on a life insurance policy is, well, not a very good value. The reason those policies are dirt cheap is that the mortality risk...
by Ed Hinerman | Nov 28, 2011 | Dave Ramsey, death benefit, insurance, life insurance
I often have the budget discussion with people who fall into the less than perfect health category, impaired risk life insurance in the industry. They don’t get the bang for the buck that someone young and healthy, or for that matter over 50 and healthy. My...
by Ed Hinerman | Nov 28, 2011 | insurance, Juvenile life insurance, life insurance, mortality risk
Parents and grandparents need look no further for the perfect gift for your child or grandchild than the life insurance industry. Let’s just be stone cold real about this. Children often wait until they are in their 40’s to consider getting life insurance....
by Ed Hinerman | Nov 27, 2011 | AARP, guaranteed issue life insurance, Independent agent, insurance, life insurance, New York Life, no exam
For us more seasoned life insurance buyers there is an industry tendency to want to squeeze us all into the same companies and product type, senior life insurance or final expense life insurance. This would be OK 1. if over 60 life insurance needs really did change or...
by Ed Hinerman | Nov 25, 2011 | Foreign National Life Insurance, foreign nationals, insurance, International Business insurance, life insurance
Over the years I have taken several runs at different ways to get life insurance from US companies for foreign nationals living in their home countries. I went through some dry runs with Sagicor and Pan American and found that, for the most part, the process was very...
by Ed Hinerman | Nov 25, 2011 | budget, Independent agent, International Business insurance, life insurance
I subscribe to and have written several articles for InsuranceNewsNet magazine, a trade publication that frequently has useful product information in it. When I wrote this in 2011 InsuanceNewsNet did offer useful product information. In 2019 it seems to have bent to...
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