by Ed Hinerman | May 11, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
When you consider the opposite of stable is unstable it makes it easier to understand why life insurance underwriting uses stability as a benchmark for approval and rates for all mood disorder underwriting. Whether it is depression, anxiety or bipolar disorder life...
by Ed Hinerman | May 9, 2011 | insurance, life insurance, skydiving, terrorism
I was talking to an associate I work with on travel insurance last week and he said that since Bin Laden’s death requests for acts of terrorism life insurance have gone up ten fold. It’s no big surprise I guess that people are concerned about retaliation...
by Ed Hinerman | May 6, 2011 | life insurance, pilot, skydiving, terrorism, travel insurance
I was working with a client who posed some interesting challenges for life insurance underwriting. Although as healthy as an underwriter could hope for, he is a skydiving instructor and also a skydiving jump plane pilot. Either of those, or both of those on a life...
by Ed Hinerman | May 4, 2011 | Dave Ramsey, life insurance, private pilots, term insurance
Dave Ramsey still swears that Zander Insurance is the place to get the best deal on term life insurance. “Use Zander’s online quoting system to search for the most competitive term life insurance plans available”, Dave says. I have a lot of respect...
by Ed Hinerman | May 2, 2011 | bipolar, bipolar disorder, insurance, life insurance
I had my memory tested today when I had a call from a man from the town I grew up in. He introduced himself as Howard Johnson which didn’t ring a bell and then he threw out a few more names that didn’t ring a bell. Then he mentioned that he used to be the...
by Ed Hinerman | Apr 27, 2011 | insurance quotes, life insurance, pilot, private pilots
I’ve never been a fan of Selectquote. Having worked (a long time ago) in a similar on line agency I know for a fact that with quantity (they claim to do 100,000 applications a year) quality suffers serious damage. The agents, if you can really call them that,...
by Ed Hinerman | Apr 21, 2011 | final expense life insurance, insurance, life insurance, senior life insurance
Does that sound like a desperate person looking for final expense life insurance? Well, the companies hope so, but that is really the stance of the companies wanting to bank the policies of seniors willing to overpay for life insurance. It’s certainly not news...
by Ed Hinerman | Apr 19, 2011 | A1c, diabetes, insurance, life insurance, Type 1 diabetes
We are by no means where I would like to see diabetes life insurance underwriting, but compared to 15 years ago, 10 years ago, even 5 years ago, life is good. I’ve talked a lot about adult onset type 1 diabetes life insurance approvals. The obvious thing going...
by Ed Hinerman | Apr 18, 2011 | bipolar, bipolar disorder, insurance, life insurance
I suppose if you are a car dealer, car advertisements get under your skin if they don’t tell the truth. I’ve been enormously disappointed over the years in the way mega agency Selectquote advertises term insurance. They are deceptive at best. After an...
by Ed Hinerman | Apr 15, 2011 | Independent agent, insurance, life insurance, over 50 life insurance
I have probably been the epitome of redundancy with my non stop rant about the impact of using the wrong life insurance agent almost always leading to the wrong life insurance company which will almost always lead to the wrong result. It is unfortunately true that all...
by Ed Hinerman | Apr 11, 2011 | foreign travel, insurance, life insurance, War zone life insurance
The lure, even when we were in better economic times, to make the big bucks tax free overseas has always been huge. Whether it is pulling down big paychecks by working in middle east oil fields or civilian contractors rebuilding infrastructure in areas that are...
by Ed Hinerman | Apr 9, 2011 | AARP, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
A few years ago I shopped for final expense life insurance just to see what was available and being pushed. I knew there was a propensity in the industry to push some really overpriced, under guaranteed products as senior life insurance. I just wanted to experience...
by Ed Hinerman | Apr 7, 2011 | foreign travel, insurance, life insurance
Afghanistan Life Insurance? As you can probably surmise it isn’t cheap, but for civilian contractors the wages aren’t low either. If you will be traveling to Afghanistan, we can provide a free quote for you. It’s quick and easy to get a quote,...
by Ed Hinerman | Apr 7, 2011 | breast cancer, cancer, insurance, life insurance
Whenever we talk about breast cancer life insurance the real meat of the discussion revolves around stage and grade. Just like the five year survival rate, life insurance for breast cancer survivors is a far better deal with an early stage and low grade. We know that...
by Ed Hinerman | Apr 6, 2011 | final expense life insurance, insurance, life insurance, second to die insurance
A client of mine called today in response to a blog post I had written about the current state of estate preservation life insurance and exemption laws. After reviewing his situation I concurred with his estate attorney that he should look at acquiring a 2nd to die...
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