by Ed Hinerman | Feb 19, 2011 | bipolar, bipolar disorder, Depression, insurance, life insurance
I Googled bipolar life insurance today and was struck by the lack of information on how to get approved for life insurance with bipolar disorder or any of the other mood disorders. Don’t get me wrong. There was plenty of information about bipolar disorder,...
by Ed Hinerman | Feb 19, 2011 | Banner Life, conversion, insurance, life insurance, New York Life
In my zeal to trounce on life insurance companies that are doing wrong by their clients I mistakenly posted that Banner Life and American General do not offer a guaranteed permanent product for conversion for customers that have had a policy in force for more than 5...
by Ed Hinerman | Feb 16, 2011 | buy/sell life insurance, insurance, life insurance
The best laid plans, right? “You know, we really ought to get a will done.” “You know, we really ought to figure out what happens to our two young children if we die in a car accident.” “You know partner, if you died tomorrow I...
by Ed Hinerman | Feb 16, 2011 | conversion, insurance, life insurance, over 50 life insurance, universal life
What is your definition of permanent! First thing that comes to mind for me is something that never goes away. OK. I know the earth could blow up and then all bets are off when it comes to anything attached to the earth, but let’s assume that it doesn’t...
by Ed Hinerman | Feb 15, 2011 | insurance, life insurance, over 50 life insurance
A long standing urban myth is that life insurance rates take a huge jump at age 50. Actually a spinoff of the myth for those in their 30’s is that it happens at 40, and for those in their 60’s at age 70, and so on. A little know fact is that under age 35...
by Ed Hinerman | Feb 14, 2011 | insurance, life insurance, senior life insurance, term insurance, whole life
There is probably no age group market that is more sought after or more abused than the senior life insurance market. What a wake up call it was (several years ago) when I flew past 50 and started getting offers for life insurance for seniors. Being a life insurance...
by Ed Hinerman | Feb 14, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, term insurance
Being over 50 myself I read that title and my mind immediately went to the thought that, “Well of course it has new meaning. We’re a lot closer to using it.” Whoa, admitted my own mortality there! But what I want to get at is the fact that the needs...
by Ed Hinerman | Feb 12, 2011 | AIG, conversion, guarantee, insurance, life insurance, term insurance
I’ve always been an advocate of buying a term life insurance length, or multiple term insurance policies that reflect your actual life insurance needs with different term lengths. Due to some recent changes in conversion options I am considering an amendment to...
by Ed Hinerman | Feb 12, 2011 | insurance, life insurance, universal life
The life insurance industry made a big deal of the year 2000 and the impending monster changes in the term life insurance pricing that were just waiting for the ball to drop in Times Square. They even came up with a special name for the event, Triple X. The whole...
by Ed Hinerman | Feb 10, 2011 | death benefit, insurance, life insurance
There is probably nothing that is sacred anymore with the federal government and almost every state government facing mounting budget deficits, loss of tax revenue and so on. I’m sure every level of government must have multiple committees whose sole job is to...
by Ed Hinerman | Feb 8, 2011 | Anxiety, bipolar, bipolar disorder, insurance, life insurance
I was involved in an exchange on the Bipolar Disorder Forum of eHealthforum several months ago. A person had been declined for life insurance and wanted to know if that was just the reality of bipolar disorder or if someone knew how to navigate what was turning out to...
by Ed Hinerman | Feb 5, 2011 | life insurance, pilot, private pilots
All right guys, you can take a break. Although you could certainly buy life insurance on Sunday the last thing you want is your friends knowing you were doing something more important than football. I already know how most of you feel about life insurance. If...
by Ed Hinerman | Feb 3, 2011 | estate taxes, insurance, life insurance
No, really!! That was the front page headline on and industry publication I get called Insurancenewsnet Magazine. Without even opening up the magazine I know where the rant is headed. Never in the history of estate planning has there been more opportunity to be as...
by Ed Hinerman | Feb 1, 2011 | estate taxes, insurance, life insurance, Protective Life, rate increase, second to die insurance, universal life
I wrote an estate life insurance case 6 or so years ago that if you put a pencil to the numbers you would swear that the company had made a huge mistake. There was simply no feasible way for them to make a profit. The case was with Protective Life who, for a while,...
by Ed Hinerman | Jan 31, 2011 | decline, insurance, life insurance
Not a day goes by that I don’t read some “how to” life insurance article that claims that being declined for life insurance is right up there with getting kicked out of the country club. You will just never be OK again! You will be black balled....
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