by Ed Hinerman | Jan 7, 2011 | insurance, life insurance, life partner
I’ve been in the life insurance business long enough to see a time when life insurance companies would outright deny life insurance policies for homosexual couples, citing “no legal financial justification”. They would then turn around and approve...
by Ed Hinerman | Jan 6, 2011 | AARP, insurance, life insurance, senior life insurance
If you’re over age 50 you get mail from AARP at least twice a month, if not more, inviting you to become a member and/or just partake of all the great deals they offer even if you’re not a member. If you, your parents, family or friends have fallen for the...
by Ed Hinerman | Jan 5, 2011 | decline, insurance, life insurance
I’ve always said that a life insurance decline is really not a bad place to start. Obviously it’s more fun to get approved at the best rate the first time around, but most of my clients come to me because they have health issues. They call or email because...
by Ed Hinerman | Jan 4, 2011 | guarantee, insurance, life insurance, universal life
How many blog posts and articles have I written about the catastrophic meltdown of traditional universal life insurance policies? I have sought industry assistance in nailing down approximately what percentage of the total number of UL’s are in danger of...
by Ed Hinerman | Jan 4, 2011 | bipolar, bipolar disorder, insurance, life insurance
If you have bipolar disorder and have applied for life insurance then you might assume that life insurance underwriting of bipolar disorder is very straightforward. You apply. You tell them you have bipolar disorder. You get declined. With most companies it really is...
by Ed Hinerman | Dec 31, 2010 | life insurance
Winter kill, a term used to describe those wild animals that don’t survive an overly harsh winter, or are old and/or weak from disease and succumb to the normal hardship of winter, holds a grip on my life also. About this time of the year, every year, I really...
by Ed Hinerman | Dec 31, 2010 | Anxiety, Depression, insurance, life insurance
I won’t go so far as to say that you have to have a life insurance agent with a mood disorder, but when it comes to successful underwriting of anxiety or depression life insurance applications need to be handled correctly. An agent’s understanding of the...
by Ed Hinerman | Dec 30, 2010 | insurance, life insurance
You have to understand that life insurance agents don’t get paid unless they deliver an approved policy and the policy is paid and put into force. So the lies (incorrect answers) that clients in answer to life insurance application questions generally impact us...
by Ed Hinerman | Dec 29, 2010 | bipolar, bipolar disorder, bypass surgery, heart disease, insurance, life insurance
The term high risk gets thrown around in the life insurance world probably way more than it should. The truth is that with the exception of truly high risk companies like Lloyds of London, life insurance companies would “prefer not to participate” in a...
by Ed Hinerman | Dec 29, 2010 | insurance, life insurance, pilot, private pilots
So, just what company offers the best rates if you need private pilot life insurance? How about student pilot life insurance? Or flight instructor life insurance? Airline pilots? Those answers depend on certain criteria which I’ll cover in a minute, but keep in...
by Ed Hinerman | Dec 28, 2010 | insurance, life insurance, obesity, Prudential
Now that the results are in and we’ve quietly sneaked on and quickly back off of the scales, let’s talk about what that number means in the world of life insurance. Whether it’s just extra pounds or obesity life insurance is available and at...
by Ed Hinerman | Dec 27, 2010 | Dave Ramsey, insurance, life insurance, smoking
I got in a bit of a tiff with Zander Insurance Group about a year and a half ago over, at that time, their not showing the best preferred smoker rates when their clients were getting on line quotes. Being a long time Dave Ramsey fan and moderator for his Financial...
by Ed Hinerman | Dec 23, 2010 | guarantee, insurance, life insurance
In the last six or seven years NY life insurance has managed to lift itself out of the dark ages, and while still not as robust and open as the other 49 states, progress is still progress. I remember back when I first got licensed in all the states it didn’t...
by Ed Hinerman | Dec 22, 2010 | gastric bypass, life insurance, obesity
Obesity! Obesity! OBESITY! That’s kind of the way our country has been going over the past 20-30 years. I remember growing up in Wyoming and, as rude as I may have been, really staring at morbidly obese people. They were just that rare. I get asked fairly often...
by Ed Hinerman | Dec 22, 2010 | insurance, life insurance
It absolutely boggles my mind that there are people who can handily afford life insurance but either just don’t buy into the fact that some people die unexpectedly or that their family would be in a hurt without their income. Using my own situation as an...
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