by Ed Hinerman | Aug 9, 2011 | insurance, life insurance, mortality, mortality risk, term insurance, whole life
The 70% savings lure in life insurance advertising is probably been so used that it is a brand by itself. Never mind the companies the promote it, who wouldn’t want to save 70% over what they are currently paying for a comparable life insurance product. So, the...
by Ed Hinerman | Oct 20, 2010 | bipolar disorder, insurance, life insurance, mortality risk
I’ve been specializing in “impaired risk” life insurance cases for the past 13 years and often find that people are confused about the term. They can get their mind wrapped around the idea that they have an impairment, but when you add the word risk...
by Ed Hinerman | Jun 7, 2010 | insurance, life insurance, mortality, mortality risk
A lot of people understand why and know that a standard rate approval is coming on life insurance and are happy to get it. On the other side of the coin are those that receive a standard rate approval and are taken aback by it, taking offense to not receiving a better...
by Ed Hinerman | Jun 3, 2010 | insurance, life insurance, mortality risk
Life insurance rate classes are generally the determining factor in what your premium will be for a given amount of insurance. Plug in your age and the cost per thousand for, say, a standard plus rate class and there it is. While what they are called may vary from...
by Ed Hinerman | Mar 5, 2010 | insurance, life insurance, mortality, mortality risk
If there is a common thread through the whole life insurance application/underwriting experience, it’s that those applying tend to underplay their mortality while feeling like underwriters really overplay the whole mortality thing. Life insurance pricing and...
by Ed Hinerman | Feb 3, 2010 | insurance, life insurance, mortality risk
Understand that there isn’t anything I like about investor owned life insurance. Now matter how you sugar coat it someone or some institution with a profit margin has a vested interest, not in my life but in my death. That’s just creepy. My nephew came to...
by Ed Hinerman | Jul 21, 2009 | insurance, life insurance, mortality risk
I have often talked about the need, when you have health issues or a health history, to do your homework and make sure you find an independent life insurance agent who understands your health challenge and also understands what companies to go to and what companies to...
by Ed Hinerman | May 18, 2009 | asthma, blood pressure, diabetes, high blood pressure, hypertension, insurance, life insurance, mortality, mortality risk, obesity, stroke, Type 2 diabetes
Guilty as charged. I am one of those recovering saltaholics that grabs the salt shaker and tops off a meal before I’ve even taken a bite to see if it needs it. I love salt and although I am getting better about at least giving something a taste first, the truth...
by Ed Hinerman | May 13, 2009 | cancer, death benefit, heart attack, insurance, life insurance, mortality, mortality risk, prayer
If you only had a crystal ball, right? If you knew when you were going to die you could put off buying life insurance right up to the last moment, or if you knew you would outlive the need for life insurance you could just not buy at all. Well, unless you are...
by Ed Hinerman | May 13, 2009 | family history, insurance, life insurance, mortality, mortality risk, smoking
If anyone out there is suffering from the illusion that your medical records are accurate, let me clue you in. The chance that your records contain substantive errors is about 75%. The chance that your records are error free is within the margin of error for 0%....
by Ed Hinerman | May 12, 2009 | basal cell carcinoma, cancer, cholesterol, insurance, life insurance, mortality, mortality risk
Very few weeks slip by that I don’t take the opportunity to drive home the life insurance consequences of not following through with a doctor’s recommendation for a test or a follow up visit. These may seem like small things, but in the world of...
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...
by Ed Hinerman | Apr 27, 2009 | beneficiary, conversion, estate taxes, foreign travel, insurance, life insurance, mortality, mortality risk, private pilots, scuba diving, suicide clause
I did a series of posts last year on life insurance policies and have referred back to those posts on several occasions when explaining some specific clauses and options such as the suicide clause and incontestability clause and the conversion option. Now I would like...
by Ed Hinerman | Apr 7, 2009 | bipolar, bipolar disorder, insurance, life insurance, mortality, mortality risk
If it wasn’t such a great success story I would probably just quit talking about it, but we have already been able to help more people with bipolar disorder in the first quarter of this year than we did all last year. The word is getting out. A client who...
by Ed Hinerman | Mar 30, 2009 | asthma, bipolar, bipolar disorder, blood pressure, cancer, decline, diabetes, high blood pressure, Independent agent, insurance, life insurance, mortality, mortality risk, prostate cancer, Type 2 diabetes
It’s just a bad feeling when a life insurance company declines to offer you coverage. They don’t want to accept the mortality risk!! Do they think you’re dying? Is there something your doctor isn’t telling you? Will you ever be able to get life...
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