by Ed Hinerman | Sep 10, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
Proof that underwriting guidelines are 1. Not etched in stone like the 10 commandments and 2. Aren’t consistent from company to company, is shown in how type 1 diabetes is underwritten, particularly adult onset type 1. Type 1 diabetes has long been the unloved...
by Ed Hinerman | Sep 9, 2010 | incontestability, insurance, life insurance, pilot, skydiving
There has always been a stigma attached to life insurance and life insurance companies that they really will do all they can to get out of paying a life insurance claim. People really want, on some level, to believe life insurance companies really don’t pay out...
by Ed Hinerman | Sep 8, 2010 | insurance, life insurance, over 50 life insurance, term insurance, universal life, variable universal life, whole life
I feel a little like the boy that cried wolf and pretty soon no one is listening, but if you have a universal life, variable universal life, indexed universal life or whole life policy, the wolf is real and if you ignore it long enough it’s going to mess up your...
by Ed Hinerman | Sep 2, 2010 | insurance, life insurance, suicide clause
I was reading a summary of a case that involved the denial of payment on an accidental death claim where the car accident may have been contributed to, or caused by the insured’s blood alcohol level of .17. Just to be clear, this involved an accidental death and...
by Ed Hinerman | Sep 1, 2010 | cancer, insurance, life insurance
With almost all life insurance underwriting in relation to someone with a history of cancer there will be a waiting period after the completion of treatment before a company will approve a policy. The only exception to that rule that I can think of would be the two...
by Ed Hinerman | Aug 31, 2010 | insurance, life insurance
Wow, what a day. I normally can focus on a topic and try to coherently share my thoughts on one life insurance subject or another, but today life is just gobbling up the energy I had set aside for that. Tomorrow, three weeks after my wife’s hysterectomy, we are...
by Ed Hinerman | Aug 27, 2010 | insurance, life insurance, no exam
I am not a big fan of “no exam” life insurance simply because when you are going to lock in 20 or 30 year term insurance it just seems prudent to do an exam and get the best possible rate you can. After a talk with one of my nieces the other day I am ready...
by Ed Hinerman | Aug 26, 2010 | guarantee, insurance, life insurance, universal life
I had to change the top of my drum today. I’ve worn it out over the past two years beat it about all of the absolute crap (forgive me) that insurance companies are trying to pass off to consumers in the form of non guaranteed universal life and whole life...
by Ed Hinerman | Aug 25, 2010 | bipolar, bipolar disorder, insurance, life insurance
It’s been an interesting 3 years working with bipolar clients and at times tripolar life insurance underwriters, but headway has been made and we are successful in filling our clients needs most of the time. The sad thing for me is that getting approvals without...
by Ed Hinerman | Aug 24, 2010 | insurance, life insurance, term insurance, universal life, whole life
I know over the past few years thanks in part to Dave Ramsey and also in part to a reality check in the economy, I’ve had to take a new look at my budget several times. The days of paying more than we need to really are over. The same thought process...
by Ed Hinerman | Aug 23, 2010 | insurance, life insurance, obesity
Obesity has always been a life insurance underwriting challenge. Companies are keenly aware that while weight may not kill you, it dramatically increases your risk of everything from heart disease to cancer. The explosion in type 2 diabetes worldwide can be directly...
by Ed Hinerman | Aug 21, 2010 | insurance, life insurance, liver functions
Liver function tests have been the nemesis of life insurance underwriting for as long as I’ve been in the business and the source of a tremendous number of unfair ratings and declines on applications. Because of a long held leap of assumption that elevated liver...
by Ed Hinerman | Aug 20, 2010 | insurance, life insurance, skydiving
While there are plenty of life insurance companies and agents out there that stick their fingers in their ears when a client starts talking about their weekend hobby. The truth is there is an affordable and prudent way to approach the subject of life insurance for...
by Ed Hinerman | Aug 19, 2010 | decline, insurance, life insurance, mortality
I won’t pretend that being declined for insurance doesn’t carry a sting. A common thought that comes with the decline is, “Do they think I’m about to die, or what”? Some perspective might help and maybe a little insight into how life...
by Ed Hinerman | Aug 18, 2010 | AARP, insurance, life insurance, senior life insurance, term insurance, whole life
When a person gets into their 60’s, 70’s and above there is a real life insurance industry tendency to try to shove them into the final expense market, even at a time when people are working longer and have larger needs than most final expense policies...
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