by Ed Hinerman | May 2, 2012 | accidental death, Active Duty Military Life Insurance, insurance, life insurance claim, Lincoln National, Met Life
A colleague and I were bemoaning some of stranger than fiction nonsense that life insurance companies come up with. They always tout these things as the newest innovation to speed up underwriting, the best product idea since sliced bread, or they just leave it out...
by Ed Hinerman | Sep 21, 2011 | conversion, insurance, life insurance, Lincoln National, over 50 life insurance, rate increase, term insurance, universal life
If you’re in your 30’s life insurance backdating is not an issue that you probably need to know about or even consider simply because, at your age, the cost of insurance doesn’t change much, if any, from year to year as you get older. Not so when...
by Ed Hinerman | Apr 20, 2009 | ING Reliastar, insurance, life insurance, Lincoln National, Prudential, term insurance, universal life, variable universal life, whole life
Can you feel it building? It started as a trickle around the first of the year with the announcement that a few companies were considering either discontinuing or raising the rates on the universal life no lapse guarantee products. It didn’t take any huge leap...
by Ed Hinerman | Mar 23, 2009 | cancer, insurance, life insurance, Lincoln National, mortality, mortality risk, prostate cancer
With life insurance companies there has always been something of a line in the sand when underwriting prostate cancer history. That line has hung on the grade of the cancer as determined by the Gleason score. I’ve often described the Gleason score grading system...
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