by Ed Hinerman | Mar 30, 2015 | beneficiary, business life insurance, cancer, customer service, incontestability, insurable interest, insurance, life insurance, life insurance claim, life insurance lapse, life insurance second addressee, partnership business life insurance, stroke
This same subject keeps popping up in new forms. I’ve explained in the past how essential it is for unmarried couples or business partners to have a power of attorney to be able to sign a release of medical records for life insurance in the event that the...
by Ed Hinerman | Sep 30, 2013 | application process, approval, business life insurance, CEO life insurance, insurance, life insurance, over 50 life insurance, stroke, uninsurable
We are a product of our parents and grandparents and I know my Dad was one of those guys who’s goal was to always get it right the first time. Having grown up in that shadow I know that one of my pet peeves is having to do something twice. I like to get it right...
by Ed Hinerman | Jan 21, 2011 | insurance, life insurance, stroke
Every year or two I like to share with you about the cost of procrastinating, foot dragging, not pulling the trigger……..putting off buying the life insurance that you know you should have. LIMRA says that there are about 35 million adults in our country...
by Ed Hinerman | Jul 2, 2009 | insurance, life insurance, stroke
No one loves a good value better than me. I don’t take lightly buying almost anything and I really don’t take lightly committing myself to making payments for something like life insurance. Having said that, there is a problem when people want to suck the...
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 14, 2009 | cholesterol, HDL, heart attack, high blood pressure, hypertension, insurance, life insurance, stroke
There are plenty of people that apply for life insurance and are sure they are going to get the best rate class available. In their mind they are even ahead of Superman because he has that disorder that has to do with Kryptonite. These people have never been sick,...
by Ed Hinerman | May 11, 2009 | bypass surgery, diabetes, gastric bypass, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes
There was a time when I had a whole different view of obesity and gastric bypass. I think the majority of folks still look at the whole thing through somewhat jaded and certainly uneducated eyes. I will just be right up front and ask to be forgiven for the way I felt...
by Ed Hinerman | May 4, 2009 | Banner Life, breast cancer, cancer, diabetes, family history, heart disease, Independent agent, insurance, life insurance, stroke
When I do an on the phone interview with a potential life insurance client I ask a series of medical questions that help me to decide the appropriate rate classification to quote. Part of the application process, whether it is done with your agent or with the examiner...
by Ed Hinerman | May 1, 2009 | blood pressure, cpap, heart disease, high blood pressure, insurance, life insurance, obesity, Sleep apnea, stroke
Sleep apnea is one of those health issues that can elicit anything from a best rate class approval to a decline depending on two things, which company’s underwriter was involved and if you are truly treating the issue seriously. A layman’s sleep apnea...
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...
by Ed Hinerman | Mar 13, 2009 | blood pressure, cholesterol, COPD, decline, diabetes, gastric bypass, heart attack, high blood pressure, insurance, life insurance, obesity, smoking, stroke
One of the key life insurance underwriting factors for just about any health or mental health issue is compliance with treatment and avoidance of other risk factors and collateral health issues. Compliance is taking medication prescribed exactly as it’s...
by Ed Hinerman | Feb 5, 2009 | blood pressure, cancer, diabetes, gastric bypass, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea, stroke
Talk about a sensitive issue. The truth is that being overweight isn’t an easy thing to be and it isn’t an easy thing to talk about, and when you are told your life insurance will cost more because of it, it feels like a slap in the face. Having said that,...
by Ed Hinerman | Feb 2, 2009 | blood pressure, decline, high blood pressure, insurance, life insurance, mortality, PSA, stroke, term insurance
The trend never seems to end. Men especially aren’t real keen on regular checkups with their doctors and have this almost childlike view of mortality. They’re sure people get sick and die, but it’s certainly not them or anyone remotely close to their...
by Ed Hinerman | Jan 16, 2009 | Anxiety, bipolar disorder, blood pressure, Depression, heart attack, high blood pressure, obesity, Sleep apnea, stroke
Up until a few years ago sleep apnea, even well controlled with a cpap, was just one of those health issues that you could expect wouldn’t get much better than a standard plus approval from the best of life insurance underwriters. The same could be said of...
by Ed Hinerman | Jan 15, 2009 | cancer, pilot, private pilots, stroke, student pilot, term insurance
One in six men who reach age 26 in our country will not make it to age 64. For women it is one in nine. I live in a small town in the “Heart of the Rockies”, Salida, Colorado. Around here when someone passes away, everyone knows it. When someone passes...
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!
Recent Comments