by Ed Hinerman | Sep 1, 2009 | insurance, life insurance
I wrote a post back in early August about a man who had contacted me after a rather dubious interaction with Selectquote while trying to buy life insurance. After shopping his case for him and determining that several companies were willing to set aside his treatment...
by Ed Hinerman | Aug 31, 2009 | bipolar disorder, insurance, life insurance
Another bipolar disorder success today. A client I have been working with who applied with State Farm and USAA and received highly rated offers from both was able to get a standard rate through one of our better carriers, more than cutting in half his potential life...
by Ed Hinerman | Aug 31, 2009 | cancer, insurance, life insurance
Lung cancer is one of the most deadly cancers in the world today, accounting for 18% of worldwide cancer related deaths. It has also, in all my years of studying and following breakthroughs in early detection, been the most stubborn in avoiding advances in clinical...
by Ed Hinerman | Aug 31, 2009 | beneficiary, insurance, life insurance
Over the hundreds of year I’ve been in the life insurance business I’ve given out who knows how many thousands of business cards and sent out who knows how many quotes, all a paper trail leading back to me saying that maybe there is life insurance in...
by Ed Hinerman | Aug 28, 2009 | bipolar disorder, insurance, life insurance
With life insurance underwriting of bipolar disorder we have been very successful in placing affordable policies with clients who meet some basic criteria that I’ve shared a number of times. In this list is implied stability, stability, stability. 1. Someone who...
by Ed Hinerman | Aug 27, 2009 | decline, insurance, life insurance
My wife is a nurse and I’ve often fussed with her about how inaccurate medical records can be. She doesn’t disagree with the general poor condition of medical records, but offered up the medical community’s offense as their defense. When she was...
by Ed Hinerman | Aug 26, 2009 | insurance, life insurance, rate increase
This is actually a little hard to get used to. After 10-15 years of term insurance rates trending downward, that isn’t the case anymore. While we haven’t seen any alarming increases in term insurance rates, one company after another is turning the corner...
by Ed Hinerman | Aug 25, 2009 | insurance, life insurance
I was talking with one of my clients during an annual review yesterday, someone I’ve been through a lot with. Our conversation eventually came around to the topic of how often times those for whom life insurance is being acquired to protect often don’t...
by Ed Hinerman | Aug 25, 2009 | insurance, life insurance, obesity
Obesity is a complete show stopper with most life insurance companies. Each company has their own build chart and most of them are relatively comparable up through the standard rate class. Where companies rapidly peel off and get out of the game is when people are...
by Ed Hinerman | Aug 24, 2009 | Independent agent, insurance, life insurance
Most business models are built around the premise of keeping your current client base and building on it. Given the premise it’s understandable that a business would be upset about losing a customer. In life insurance that client relationship is certainly true...
by Ed Hinerman | Aug 20, 2009 | AARP, insurance, life insurance
I know it seems like about half of my adult life has been spent shooting arrows at AARP for their mistreatment of their constituency with their pet program, AARP’s Life Insurance underwritten through New York Life. You would think this organization would have...
by Ed Hinerman | Aug 19, 2009 | bipolar disorder, Depression, insurance, life insurance
I’ve written a lot about mood disorders, especially depression over the years. The truth is that depending on the life insurance company, any particular disorder can have an underwriting reaction that can vary all the way from preferred rate classes to declines....
by Ed Hinerman | Aug 19, 2009 | insurance, life insurance, Sleep apnea
While we’ve been very successful in placing best rate class life insurance for those with mild to moderate sleep apnea, that shouldn’t be confused with a lack of risk with the disorder. The way to those best class rates starts with mild to moderate apnea,...
by Ed Hinerman | Aug 18, 2009 | insurance, life insurance, term insurance
Well, uh, No! I know I’ve been talking for months about the fact that term life insurance seems to have finally hit the skids on it’s nearly 15 year downward trend in prices. And I’ve talked about this being probably the best time to buy term life...
by Ed Hinerman | Aug 17, 2009 | insurance, life insurance, term insurance
I can’t tell you the number of times that I’ve been asked, when a client is facing an increased life insurance rate due to some health issue, why the insurance company doesn’t take into account all the positive things they have going on in their...
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