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Home » mortality

Is Life Insurance Underwriting Getting A New Name?

by Ed Hinerman | Oct 2, 2013 | insurance, life insurance, life insurance approval, life insurance underwriting, mortality, mortality risk

It wasn’t that long ago that underwriting life insurance consisted of setting the application, exam and medical records next to a big underwriting guide (just my picture), matching up all of the maladies with a long ago predetermined mortality assumption and...

Predictive Models and Underwriting: What’s the Potential?

by Ed Hinerman | Sep 13, 2013 | BMI, impaired risk life insurance, insurance, lab results, life insurance, life insurance approval, mortality, mortality risk

Not long ago I went on a tear about American General’s use of the CRL Lab’s proprietary laboratory analyzing methodology called “Smart Score”. The blasting cap for that little tiff was a case that American General declined, obviously using the Smart Score numbers to...

Charge AIG With An Error And A Save!

by Ed Hinerman | Aug 14, 2013 | A1c, approval, BMI, impaired risk life insurance, insurance, life insurance, life insurance approval, mortality, mortality risk

As related in a post yesterday which was a follow up on a previous post concerning the American General use of the CRL Labs Smart Score methodology for underwriting, I have breaking developments. After being rebuffed by CRL, being told that they couldn’t tell me...

Gastric Bypass Life Insurance Perspective!

by Ed Hinerman | Nov 26, 2012 | Anxiety, bipolar disorder, Depression, gastric bypass, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity

Let me start out by saying that traditional life insurance underwriting doesn’t reward treatment of health issues. That is as in DOES NOT reward. There are still life insurance companies out there that will whack a client like a golf ball for taking medication...

In Life Insurance Underwriting Your Doctor’s Opinion Does Matter!

by Ed Hinerman | Nov 19, 2012 | compliance, insurance, insurance quotes, life insurance, life insurance approval, mortality, mortality risk

This is one of these subjects that goes in several directions. Your doctor’s opinion can help you get the best possible life insurance rate. It can also bring your life insurance application to a screeching halt and if it ever comes down to who is right, the...

Does Obesity Life Insurance Require Drastic Measures?

by Ed Hinerman | Jul 12, 2012 | Biggest Loser, Fat March, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity

There are several ways to deal with an out of control weight problem from a health standpoint, but from a life insurance point of view it’s pretty clear cut. If you are morbidly obese the best case is that you will have to pay more than the average person for...

WWJD About Life Insurance?

by Ed Hinerman | Jul 11, 2012 | cash value, conversion, financial adviser, insurance, life insurance, mortality, term insurance, universal life, whole life

A few years back I read an article in a trade publication and, well, I was much younger then and easily riled. I am still getting comments on the post I wrote about that article. In the life insurance business there is an organization called the Million Dollar Round...

Dragging Your Feet Is No Way To Take Care Of Your Family!

by Ed Hinerman | Mar 30, 2012 | cancer, children's life insurance, impaired risk life insurance, insurance, life insurance, mortality, Type 1 diabetes

Being primarily a health risk life insurance agent I get to talk to a lot of people about diseases and problems they didn’t have even just a few years prior. Especially guys have this bombproof thing going on where they truly believe as long as they work hard...

Can You Really Believe Life Insurance 70% Savings?

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...

You Can Always Just Hope For The Best!

by Ed Hinerman | Jan 22, 2011 | insurance, life insurance, mortality

Young, healthy, immortal. Sure, you’ve talked about life insurance and you know it really doesn’t cost much at all, but you’re a guy. Men, especially young men, absolutely hate talking about real life. And in real life stuff happens. I know when...

Declined For Life Insurance? Not A Bad Place To Start!

by Ed Hinerman | Aug 19, 2010 | decline, insurance, life insurance, mortality

I won’t pretend that being declined for insurance doesn’t carry a sting. A common thought that comes with the decline is, “Do they think I’m about to die, or what”? Some perspective might help and maybe a little insight into how life...

Should You Take Offense To A Standard Rate Offer For Life Insurance?

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...

Mortality Reality!

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...

The Downside To Not Having Anything To Worry About!

by Ed Hinerman | Nov 20, 2009 | insurance, life insurance, mortality

When A doctor says you’re doing just fine or you don’t need to worry about this or that, they really mean it. I suspect that in the short term scheme of things they may even be right most of the time. But let’s not mix up a short term prognosis with...

OK, Now Suck It Up And Get Real!

by Ed Hinerman | Jun 25, 2009 | cancer, heart attack, insurance, life insurance, mortality

Life insurance is, always has been and always will be, about offsetting those financial losses that come with premature death. The problem that most people have with the concept is, that in spite of all of the evidence to the contrary, they seem to have a hard time...
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Joseph D'Angelo
Joseph D'Angelo
20:43 28 Jul 20
Ed has been my insurance rock for decades. He's trustworthy, cordial, efficient and diligent. He checks in on me... frequently to see if I'm in need of anything. He's always made me feel like not just a client but a friend. The Hinerman Group deserves my highest recommendation. Joe D'Angeloread more
Dan Lifton
Dan Lifton
19:22 28 Jul 20
Ed is a consummate professional. He always had my best interests in mind and provided excellent service, including... follow up to ensure that we were happy. I would strongly recommend him.read more
Sherry Braden
Sherry Braden
15:06 18 Jul 20
Ed has been an invaluable consultant and truly, a friend! His advice and wisdom is a real asset in making decisions... regarding life insurance, one of the most important decisions in life. I would recommend Ed to anyone needing a calm, measured and thoughtful agent to help in getting the insurance you need and not what someone would just "hope" to sell to you.read more
Brian Wolfe
Brian Wolfe
21:45 13 Jul 20
I've known Ed for 16 years now and he has helped me when other insurance providers either turned me down or simply... didn't want to deal with me at all. I have a lot of medical issues that make it difficult if not impossible to be insured but Ed worked with me to keep my policy active. He also gave me a 'heads-up' to save me money by renewing prior to an age related rate increase. I would recommend Ed (and have) to anyone looking for coverage- one of the nicest guys I've ever had the pleasure of knowing.read more
Michael King
Michael King
22:14 24 Jun 20
In the business of Insurance there are so many to chose from. My decision was correct when choosing Ed Hinerman. He... works hard to get me the best policy and is responsive to my calls and emails.read more
Deloyd Johnson-Jones
Deloyd Johnson-Jones
21:40 22 Jun 20
Ed is a pleasure to work with. He was there when I needed someone to listen and advise. He assisted me when no one... else could. I am very grateful and appreciative of his commitment and dedication to customers. I highly recommend him and his firm!!!read more
Sue Corriea
Sue Corriea
16:55 21 Jun 20
Ed has been our insurance agent for over 25 years. We think of him as a friend. He has always been there to give us... quick, accurate, and compassionate advice during the ups and downs of our lives. We trust Ed and the Hinerman Group to always have our best interest at heart. Our words to describe Ed...knowledgeable, trustworthy, a friend.read more
Travis Pflanz
Travis Pflanz
16:09 07 May 20
Ed recently hired my company, Search Centered Digital Marketing, to work on a small project for Hinerman Group. Ed was... detailed in his communication and in-depth in his questions regarding the process. Ed was a great client and I have all confidence in recommending my CO friends to Ed for all their home and life insurance needs.read more
Dr. Kenneth R. Eye II
Dr. Kenneth R. Eye II
16:37 16 Apr 20
Ed Hinerman has been my life Insurance agent for the past 7 years. Impeccable service that is professional, prompt and... informative. Ed knows where to shop to get the most from insurance carriers that I do not have access. Ed understands my needs as a doctor and business owner. If you are looking for an agent you can trust that is full service than let Ed represent you. He has access and relationships to chief underwriters at insurance carriers able to offer great terms and premiums to insure high net worth individuals and the resources to give you introductions beyond life insurance to other trusted agents for disability, key man and office overhead. Thanks, Ed!read more
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LATEST POSTS

SBA Loan Requirement For Life Insurance

Apr 14, 2021

It's Not Even In The Fine Print! There actually isn't any fine print in the SBA loan requirements, so rest easy. I mean really rest easy, as in sitting in your favorite chair and settling in to read the 388 page guide to securing your SBA loan. I wouldn't even know...

How Life Insurance Needs Change As We Age!

Apr 12, 2021

This was first written back in 2011 and, strangely, the older I get the more it makes sense. I thought I would dust it off and see if could have some rewritten value added for you. All the best. Nothing Else Is The Same At 60 As It Was 30! Why Would Life Insurance Be...

Replacing Your Current Life Insurance Can Be A Smart Move

Apr 10, 2021

Why Would You Want To Replace Your Current Life Insurance? There is a mindset with life insurance that once you have it in place, don't mess with it. This is sound logic if you are satisfied with what you have and you know for a fact that it is the best product at the...

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