by Ed Hinerman | Jul 14, 2009 | bipolar disorder, Depression, insurance, life insurance
Some life insurance underwriters are easily frightened. It really seems they are too busy “underwriting” to really study the cases they are considering and when they are drawn out of their comfort zone, well, they just go screaming into the dark. I wrote...
by Ed Hinerman | Jul 9, 2009 | diabetes, insurance, life insurance, Type 1 diabetes
It’s been a while since we’ve talked about life insurance underwriting of type 1 diabetes. Plenty of time has been spent painting the parameters around type 2 diabetes, so let’s update since they are different from an underwriting standpoint....
by Ed Hinerman | Jul 8, 2009 | bipolar, bipolar disorder, insurance, life insurance
To be completely candid and fair when I write about life insurance and mood disorders, mostly bipolar disorder, I have always included a kind of check list on what underwriters do and don’t want to see. I do this……. 1. Someone who has not been...
by Ed Hinerman | Jul 8, 2009 | insurance, life insurance, term insurance
In the May 2009 issue of Wealth Manager Warren Buffet was quoted as saying, “It’s only when the tide goes out that you learn who’s been swimming naked.” That couldn’t be more true when it comes to this past year’s economy and those who didn’t use...
by Ed Hinerman | Jul 7, 2009 | insurance, life insurance, universal life
I received an email from North American Life today touting their indexed universal life products as the second coming of the 1980’s. I can’t believe that life insurance companies still lean on agents to push non guaranteed assumptions on unsuspecting...
by Ed Hinerman | Jul 7, 2009 | insurance, life insurance, New York Life, term insurance
New York Life has started a newsletter on Twitter and decided to follow me, I suspect because of this real fondness I have for their overpriced term products, their love of whole life and the commissions they get from it, and last but by no means least, their sick...
by Ed Hinerman | Jul 6, 2009 | insurance, life insurance, term insurance
There is a point that us old guys reach where no matter how healthy we improve our mortality risk in the next year we just aren’t going to be able to get life insurance cheaper than we can today. I just had this delicate conversation with a 61 year old man who...
by Ed Hinerman | Jul 6, 2009 | insurance, life insurance, smoking
Life insurance has this whole little underwriting niche that comes under the heading of lifestyle. It’s not about health or family history and it’s not about your lab results, it’s about, well, your personal life. Probably the most common lifestyle...
by Ed Hinerman | Jul 2, 2009 | insurance, life insurance, universal life
It’s certainly not breaking news. But it has been important and timely and will remain important and timely for many years. A very high percentage of the universal life policies in force today are in trouble due to the abhorrent sales pitches of those life...
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...
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