by Ed Hinerman | Apr 24, 2019 | budget, Dave Ramsey, life insurance
My New Year’s resolution is to always tell the truth no matter whose buttons it pushes. I’ve been bullied into backing off of a few blog posts in the past but life’s too short and life insurance and your budget are too important. Feathers will be...
by Ed Hinerman | Apr 23, 2019 | business life insurance, CEO life insurance, life insurance, prostate cancer watchful waiting
Let’s be honest. Successful business people don’t pick the providers of critical support like CPA’s, attorneys, suppliers and financial advisers by looking online for cheap and easy. So why would they look for an honest, efficient and hard working...
by Ed Hinerman | Apr 17, 2019 | Hep C Cure, hepatitis, life insurance
It used to be that getting life insurance with Hepatitis C was difficult. But, there’s nothing quite like a cure for a deadly disease to stir up the life insurance underwriting pot. When Harvoni showed up and put a stop to Hepatitis C (for those who could afford...
by Ed Hinerman | Apr 17, 2019 | decline, life insurance
There is nothing quite like being declined for life insurance or even being highly rated when you expected smooth sailing to great rates. Since I make a living turning declined life insurance applications into approved life insurance policies, I can tell you that the...
by Ed Hinerman | Apr 17, 2019 | bait and switch, impaired risk life insurance, insurance, life insurance
A la carte means you get what you want and Quotacy is one of the stand out life insurance quote offerings that gives it to you – not the way it really is, but the way you want it. They have taken the art of life insurance bait and switch to its simplest and most...
by Ed Hinerman | Apr 16, 2019 | life insurance
Experience gets done what lack of understanding can’t This is, as promised, another in a series of posts that address the difference that the quality of a life insurance agent can make when you decide it’s time to move forward with fulfilling your family...
by Ed Hinerman | Apr 14, 2019 | impaired risk life insurance, life insurance
Declined life insurance applications. It’s where most of my customers come from. Most of the time, these denials have come from the wrong life insurance agents pitching the wrong life insurance companies for the job. As a specialist in high risk and high limit...
by Ed Hinerman | Apr 10, 2019 | cancer, impaired risk life insurance, life insurance
I am currently working with a client who was declined by a few other companies and apparently told that with a recent history of breast cancer life insurance approvals just weren’t in the cards. This woman was, for some reason, told by the life insurance agent...
by Ed Hinerman | Apr 8, 2019 | accidental death, Civilian War Zone Coverage, life insurance
I have a lot of civilian contractor clients working in the Middle East and African war zones. One just renewed his life insurance coverage another year and ran into an all too frequent problem. Working in a location devoid of printers or scanners, or in his case, ink,...
by Ed Hinerman | Apr 3, 2019 | life insurance, prostate cancer, prostate cancer watchful waiting
If you have recently been diagnosed with prostate cancer and/or chronic elevated PSA, you may be concerned about the ability to get life insurance. While elevated PSA’s don’t strike quite the fear they did a few years ago with life insurance underwriters,...
by Ed Hinerman | Mar 27, 2019 | cancer, life insurance
If you or someone you love have been diagnosed with prostate cancer and would like life insurance, there are options to obtain it, especially if it is in low stages. Life insurance for those in active surveillance or watchful waiting stages of prostate cancer, is...
by Ed Hinerman | Mar 25, 2019 | life insurance
For those of you who have followed this forum long enough you may think I hate when you want to sell your life insurance policy to a life settlement company. OK, it is true that my first take on life settlements eight or so years ago was harsh. I didn’t trust...
by Ed Hinerman | Mar 20, 2019 | impaired risk life insurance, life insurance, mood disorder life insurance
In reviewing my database of clients, it became obvious that a large block of my business, something around 25%, are life insurance for clients with some form of mood disorder. This is significant because it means the word really is getting out that life insurance...
by Ed Hinerman | Mar 13, 2019 | cancer, life insurance
Prostate cancer, and specifically the great changes in life insurance underwriting for prostate cancer, are in the news. Well, at least they’re on my mind and in my blog. That is just one step below the Wall St. Journal and on a good day, like today, one step...
by Ed Hinerman | Mar 11, 2019 | life insurance
1984 finally showed up 35 years late but just as invasive and scary as it can be. I am currently working with a business client on his life insurance application. He is applying for a very substantial policy as part of a buy/sell agreement. He weighed a bit more than...
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