by Ed Hinerman | May 7, 2009 | insurance, life insurance, private pilots
What a difference from a year ago. Private pilots have been freed up from the $5+ per gallon fuel and are once again logging hours. Underwriting for private pilots with most of the aviation life insurance friendly companies calls for a minimum number of hours annually...
by Ed Hinerman | May 7, 2009 | insurance, John Hancock, life insurance, Met Life, term insurance, universal life, whole life
Can you say fire sale? I just got notice of yet another term insurance price increase, this time from American National, and it appears that the rebound from the lowest prices in history are picking up steam. I know all of the whole life agents that like to attempt to...
by Ed Hinerman | May 6, 2009 | accelerated death benefit, conversion, insurance, life insurance, Met Life, Protective Life, term insurance, universal life, whole life
Last week I talked about a case with Met Life where a person was able to use the met-life-external-conversion program in order to convert to a policy that had an accelerated benefit rider. Their company didn’t have the benefit and the person was terminally ill...
by Ed Hinerman | May 4, 2009 | Banner Life, breast cancer, cancer, diabetes, family history, heart disease, Independent agent, insurance, life insurance, stroke
When I do an on the phone interview with a potential life insurance client I ask a series of medical questions that help me to decide the appropriate rate classification to quote. Part of the application process, whether it is done with your agent or with the examiner...
by Ed Hinerman | May 4, 2009 | A1c, American Diabetes Association, diabetes, Independent agent, insurance, life insurance, Type 2 diabetes
It’s been several months since there was any major movement on the life insurance underwriting scene for those with type 2 diabetes, but a major company today shattered that trend by announcing that are willing to approve at preferred plus rates within certain...
by Ed Hinerman | May 4, 2009 | Banner Life, heart attack, incontestability, insurance, life insurance, melanoma, term insurance
Continuing on with a series of posts I started last week on life insurance applications I would like to discuss the necessary (by law) and often misunderstood Authorization to Obtain Information or HIPAA authorization form. HIPAA, the Health Insurance Portability and...
by Ed Hinerman | May 2, 2009 | breast cancer, cancer, decline, insurance, life insurance, term insurance, universal life
It occurred to me after seeing a clip of Napoleon Dynamite on David Letterman that, given good health, even he could qualify for the best rates available for life insurance. Fortunately for us all, being the best looking or the most successful isn’t found on a...
by Ed Hinerman | May 1, 2009 | bipolar, bipolar disorder, insurance, life insurance, seizure disorder, West Coast Life
We launched our first attempt at a Google adwords advertising campaign targeted specifically to those with bipolar disorder today. As our success grows in helping this under served, over abused group of people our hope is that we can reach even more with the good...
by Ed Hinerman | May 1, 2009 | accelerated death benefit, conversion, death benefit, insurance, life insurance, Met Life, universal life
I heard a story about a Met Life case today that just inspired me. Life insurance companies quite often do things they don’t necessarily have to, like paying a claim when the validity could probably be argued. I’ve talked in previous posts about universal...
by Ed Hinerman | May 1, 2009 | blood pressure, cpap, heart disease, high blood pressure, insurance, life insurance, obesity, Sleep apnea, stroke
Sleep apnea is one of those health issues that can elicit anything from a best rate class approval to a decline depending on two things, which company’s underwriter was involved and if you are truly treating the issue seriously. A layman’s sleep apnea...
by Ed Hinerman | Apr 30, 2009 | AIG, insurance, life insurance, Met Life, term insurance
Let’s face it. If you want to turn a few stomachs in a discussion about the recession all you have to do is throw out the name AIG, the epicenter of the current economic meltdown. AIG owns life insurance giant American General. So, if you can control your gag...
by Ed Hinerman | Apr 30, 2009 | bipolar, bipolar disorder, diabetes, insurance, life insurance, obesity, term insurance
Some of the life insurance leads I work are faxed advertisements that show a grid of preferred plus prices based on different ages and amounts of insurance. It clearly states at the top of the grid that these are “The lowest rates that exist. Preferred plus term...
by Ed Hinerman | Apr 29, 2009 | foreign travel, insurance, life insurance
When the view out the office window looks like this sometimes it feels like we are protected by those 14,000 foot peaks from the real world. Thanks to fiber optics and the internet we can sit here and do life insurance business with those out in the “real...
by Ed Hinerman | Apr 29, 2009 | Dave Ramsey, insurance, life insurance, prayer
There are days that stand out for me in life. My marriage. The day I gave my heart to Jesus. Each day that I have been able to deliver a death benefit check to a family of a client. There are people who touch me and make a difference. Today I had an opportunity to...
by Ed Hinerman | Apr 29, 2009 | cancer, cholesterol, foreign travel, insurance, life insurance, mortality, mortality risk, prostate cancer
When I got my briefs in a bunch earlier this year in a little spat with ING Reliastar, on the surface it would seem that we were arguing semantics. Just underneath the surface is a gray area about half the size of the universe where life insurance companies seem to...
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