by Ed Hinerman | Sep 6, 2011 | bipolar, bipolar disorder, decline, insurance, life insurance, physicians life insurance
A common theme I run into because of the large number of physician life insurance clients I have is the lack of records they have. To a ridiculous end it would be like asking your Mom to produce records for all of the medical care she gave you growing up. With...
by Ed Hinerman | Aug 31, 2011 | Anxiety, Depression, insurance, life insurance, physicians life insurance
What are there, 300 million plus a few people in the United States now? And the best guess I found is that 10’s of millions have mood disorders to one degree or another. Personally I think that may be an understatement. Tens of millions treated and untreated? 1...
by Ed Hinerman | Aug 31, 2011 | insurance, life insurance, over 50 life insurance, pilot, private pilots
I have a lot of clients, especially ex military, who have their auto, homeowners and sometimes life with USAA. They are a stellar company from a ratings and financial point of view, but with life insurance underwriting they are, well, conservative would be a good way...
by Ed Hinerman | Aug 30, 2011 | Burial insurance, final expense life insurance, guaranteed issue life insurance, insurance, life insurance
I wrote a post some time ago less than nicely titled “Burial Insurance is Stupid”. I make myself laugh I’m so opinionated sometimes, but this article was not one of those laughable moments. I take very seriously those things that treat those seeking...
by Ed Hinerman | Aug 29, 2011 | life insurance, pilot, private pilots, student pilot
I know I’ve talked quite a bit lately about those aviation life insurance needs that are hard or expensive to insure through traditional life insurance companies. I just wanted to take a few minutes to clarify that for the majority of private pilots life...
by Ed Hinerman | Aug 25, 2011 | accidental death, High Limit AD and D, insurance, life insurance, motorcycle, pilot, private pilots, skydiving
Most of my work has been finding the best life insurance prices for people with impaired health, impaired risk life insurance. I won’t make any wild claims about being the best there is out there, but we are in a constant state of education and refining of...
by Ed Hinerman | Aug 24, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, term insurance
For many families in the economy of the past five years the question has changed from when retirement will come to how long a person can work. Along with that change, the question of what life insurance portfolio structure is most prudent for seniors has changed...
by Ed Hinerman | Aug 23, 2011 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance
I’m currently working on a life insurance case where the client, a physician, sought and completed treatment 4 years ago for prescription drug abuse. We shopped this last year and got an offer from Banner Life. The case was declined in underwriting because they...
by Ed Hinerman | Aug 18, 2011 | insurance, life insurance, term insurance, whole life
I can hear the whole life insurance guys once again musing about what kind of a nut case would recommend term life insurance during crazy economic times. Well guys, I’m back!! For those over 50 and over 60 life insurance may be the only way to salvage the...
by Ed Hinerman | Aug 17, 2011 | insurance, life insurance, professional athlete life insurance
Let’s just call it like it is. In far too many cases those who make the most are also the busiest and the most likely to put off something like a life insurance application. Entirely too much time and energy can be spent and heck, with money in the bank,...
by Ed Hinerman | Aug 13, 2011 | coronary artery disease (CAD), heart disease, insurance, life insurance
It’s been years since I’ve run head long into an ultra fast CT scan that just simply defies all logic. Ultra fast CT scans are used to stop the heart mid beat so the chambers and arteries can be looked at in detail. It has been touted as the answer to non...
by Ed Hinerman | Aug 11, 2011 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
What a summer, huh? I heard on the news the other day that somewhere in Oklahoma had set a new all time record high for any state over a full month. We’re talking hotter than Arizona!! I’m pretty blessed to live at 7000′ in Colorado where yesterday...
by Ed Hinerman | Aug 9, 2011 | insurance, life insurance, mortality, mortality risk, term insurance, whole life
The 70% savings lure in life insurance advertising is probably been so used that it is a brand by itself. Never mind the companies the promote it, who wouldn’t want to save 70% over what they are currently paying for a comparable life insurance product. So, the...
by Ed Hinerman | Aug 8, 2011 | Anxiety, Attention Deficit Disorder, Depression, insurance, life insurance
When i see how some life insurance underwriters treat clients with generalized anxiety, often offering standard rate or worse approvals, I wonder if they’re living in the same country as the rest of us. USA could easily stand for the United States of Anxiety...
by Ed Hinerman | Aug 5, 2011 | insurance, life insurance, professional athlete life insurance
There is a mistaken belief that people that have really great incomes, like professional athletes, don’t really need life insurance. The assumption is you have a large income you probably have it managed so that your family would be taken care of if you died...
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