by Ed Hinerman | Oct 19, 2016 | application process, approval, cigar smokers, clinical underwriting, height and weight, insurance, life insurance, mood disorder life insurance, prostate cancer, Prudential
I’ve mentioned probably more often than I’ve needed to that I shop even some of the simplest cases, probably every case that isn’t a slam dunk, no health issue, preferred plus. This makes sense for me and my clients because my clients will know ahead...
by Ed Hinerman | Jan 21, 2012 | AARP, insurance, life insurance, New York Life, Prudential, ratings
I had emailed some quotes off to a client this week with Genworth Life and Annuity, a major player in no lapse guarantee UL’s and in this case the best rate class offer I had received when shopping the case. She went on line and found out that Genworth has been...
by Ed Hinerman | Dec 28, 2010 | insurance, life insurance, obesity, Prudential
Now that the results are in and we’ve quietly sneaked on and quickly back off of the scales, let’s talk about what that number means in the world of life insurance. Whether it’s just extra pounds or obesity life insurance is available and at...
by Ed Hinerman | Jul 9, 2010 | insurance, life insurance, pilot, private pilots, Prudential
Pru rolled out a 16 page release on their new and improved underwriting guidelines in a number of areas. This comes on the heels of a much ballyhooed rate decrease that didn’t do squat for anyone under 50. Nevertheless there may be some morsels in here that will...
by Ed Hinerman | May 15, 2009 | AIG, insurance, life insurance, Prudential, term insurance
One of the considerations when you are putting together a life insurance program or portfolio should be flexibility, a way to deal with the “what ifs” in life. I’ve seen this a little more than usual as people have dealt with different aspects of the...
by Ed Hinerman | Apr 22, 2009 | cpap, insurance, life insurance, Prudential, Sleep apnea, term insurance
Sleep apnea can be nearly a life insurance non issue if it is well controlled, or deemed mild enough by a doctor not to necessitate the need for using a cpap. But it can become an issue when it’s not mentioned to your agent prior to the application process. I...
by Ed Hinerman | Apr 22, 2009 | AIG, ING Reliastar, insurance, life insurance, Prudential
I got a Matrix Direct email today that may shed a little more light on one of the reasons AIG isn’t cutting it. AIG’s American General Life owns the big on line agency Matrix Direct. Not a bad idea for a company that has done so well on line to have their...
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 | Apr 18, 2009 | Dave Ramsey, insurance, life insurance, Prudential, term insurance
There are several options available for paying your life insurance premium. To see it advertised you would think that the only options are monthly. Of course the reason for advertising monthly rates is well known. Giving a potential customer sticker shock by making...
by Ed Hinerman | Apr 15, 2009 | insurance, life insurance, Prudential, term insurance, universal life, variable universal life, whole life
I have spent the last few weeks highly encouraging fence sitting customers to make a move if they truly want the deal of the century on term life insurance. While Prudential’s 4-5% increase in term insurance rates will still keep them competitive, when you...
by Ed Hinerman | Apr 9, 2009 | Banner Life, blood pressure, bypass surgery, cancer, cholesterol, diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Prudential
Let’s don’t mince words on this subject. If someone is 40% overweight they are twice as likely to die prematurely than someone of average build. It’s not the fat that kills you, but the strain that all that extra weight puts on your body making you a...
by Ed Hinerman | Apr 1, 2009 | insurance, life insurance, Prudential, term insurance
Just when you thought I was through yelling, Prudential just announced today that their least expensive term insurance product, simply the best deal going in the $1,000,000 and up amounts will have a rate increase effective May 1. You know that stomach crunching...
by Ed Hinerman | Mar 20, 2009 | blood pressure, cholesterol, obesity, Prudential
It’s been no secret since I followed the Biggest Loser reality series, that while the obesity and BMI challenged might pay a little more for their life insurance than folks that are under the BMI threshold for overweight, there are companies that do offer fair...
by Ed Hinerman | Mar 19, 2009 | insurance, John Hancock, life insurance, Protective Life, Prudential, term insurance, universal life, whole life
With the latest news coming today it is no longer conjecture on my part. The downward trend of the past 15 years in life insurance has hit bottom. ING Reliastar today announced increases in their term insurance rates. I guess the only good news coming from them is...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
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