by Ed Hinerman | Oct 29, 2008 | angioplasty, decline, diabetes, heart attack, Independent agent, insurance, life insurance
You don’t buy life insurance, rather, you apply for it. Because there is an application there should be a common understanding that there is a chance that your application will be rejected. The industry term is decline. While declines are far more the exception...
by Ed Hinerman | Oct 29, 2008 | decline, hepatitis, Independent agent, insurance, life insurance, liver functions
Well, no…..or maybe yes……it all really depends. I hope this information has been helpful. Seriously though, underwriting of Hepatitis C really comes down to a few key factors. First, is the disease in remission and second, how much damage has the...
by Ed Hinerman | Oct 28, 2008 | COPD, diabetes, heart attack, insurance, life insurance, obesity, smoking, term insurance, Type 2 diabetes
photo credit: Mykl Roventine Life insurance rates for those that smoke cigarettes, depending on the company and any additional risk factors, can run anywhere from two to four times higher than a comparable non smoker. What particularly drives underwriters crazy are...
by Ed Hinerman | Oct 27, 2008 | cigar smokers, insurance, life insurance, smoking
Several years ago Cigar Aficionado ran an article on life insurance for cigar smokers. It was a poorly researched article at the time and fell well short of giving the information needed for the cigar enjoying public to get the best rates possible. I have offered more...
by Ed Hinerman | Oct 27, 2008 | bipolar disorder, cancer, Independent agent, insurance, life insurance
We certainly have our good days and our bad days in helping those with bipolar disorder obtain life insurance. Fortunately the good does outweigh the bad. I think we do need to throw a reality check water balloon on this party though. I have often mentioned that one...
by Ed Hinerman | Oct 27, 2008 | AIG, insurance, life insurance, term insurance, universal life, whole life
Following the recent bailout/takeover of AIG by the government, other life insurance companies including Prudential are holding their hands out wanting a little of our tax money to soften the impact of their unwise investment in risky real estate loans. Investment of...
by Ed Hinerman | Oct 24, 2008 | insurance, life insurance, term insurance, universal life
Group benefits such as life and health insurance have long been one of those things that drives people to get the jobs they have and hang on to the jobs even when they might want to do something else. In our current economic state you may want to reconsider your...
by Ed Hinerman | Oct 21, 2008 | cancer, insurance, life insurance, prayer
As life goes, I lost the most ardent follower of my ramblings on life insurance via this blog a few days ago. My Father passed away after a two year fight with bladder cancer. He always posted big readership numbers for me in Wyoming and I could always count on his...
by Ed Hinerman | Oct 16, 2008 | breast cancer, cancer, Independent agent, life insurance, prayer
As many of you have so graciously tolerated my use of my Mom’s breast cancer to discuss the life insurance take on the subject, you may remember that prior to Mom, there was Dad and his stage 4 bladder cancer. About a year and a half ago Dad was given a few...
by Ed Hinerman | Oct 15, 2008 | bipolar disorder, decline, Depression, insurance, life insurance, seizure disorder
What kind of an insane question is that? Let me try a few commonalities that probably come to mind if you have bipolar and and have applied for life insurance. How about….all life insurance underwriters think bipolar disorder is a perfectly good reason to...
by Ed Hinerman | Oct 14, 2008 | blood pressure, cholesterol, Depression, diabetes, heart attack, Independent agent, insurance, life insurance, long term care, private pilots, stroke
You know the rates I’m talking about. You see them advertised everywhere and it makes it seem as though life insurance is almost free, simply there for the picking. In the industry those rates are called things like preferred plus, preferred elite, select...
by Ed Hinerman | Oct 13, 2008 | cholesterol, life insurance
The life insurance quotes we provide are always subject to “complete medical underwriting” which includes an examination (labs and physical exam) and a review or your medical records. One of the larger bones of contention when it comes to underwriting is...
by Ed Hinerman | Oct 10, 2008 | AIG, insurance, life insurance, term insurance
I was talking to a friend yesterday who, like many of us, is trying to compute how many additional years he will have to work to make up for the money he has lost from his assets over this past month. He calculated that he would have to work an additional 1.5 years to...
by Ed Hinerman | Oct 7, 2008 | blood pressure, cancer, decline, diabetes, Fat March, heart disease, high blood pressure, Independent agent, insurance, Juvenile life insurance, life insurance, obesity, stroke, term insurance, universal life
If you talk to most life insurance applicants who fall into the obese or morbidly obese categories according the their BMI, they have usually been told that they aren’t insurable or that the prices are so high as to render uninsurable because they can’t...
by Ed Hinerman | Oct 2, 2008 | estate taxes, insurance, life insurance, term insurance
Where the heck did my net worth go? This has been one tough month on those of us who are actually middle class enough to care what happens to our retirement investments. For many it is a scramble to get your money to a safe place, with people scrambling to move money...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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