by Ed Hinerman | Jul 1, 2009 | insurance, life insurance, smoking
I would be the last person in the world to say that habits are easy to change, especially bad, life long, ingrained habits. But no kidding, there are some cases I really can’t wrap my mind around. The one that caught my “you’ve got to be...
by Ed Hinerman | Jun 30, 2009 | insurance, life insurance, women
There is a misconception about the life insurance underwriting stance on applications during pregnancy. For the most part, at least during the first two trimesters companies don’t have any issues with approving applications. The tricky part comes in the third...
by Ed Hinerman | Jun 30, 2009 | incontestability, insurance, life insurance
In researching a post written a few weeks ago on how to bind a life insurance application I failed to find any companies still using the tool of choice from the past, the Conditional Receipt. All of the companies I found in my original sweep were using the far...
by Ed Hinerman | Jun 29, 2009 | bipolar disorder, insurance, life insurance
Just recently I was helping a client with bipolar disorder get life insurance for his young family. He had been declined before and told me that he wanted $500,000 of term insurance. After shopping the case we got an offer of potential preferred best rates from one...
by Ed Hinerman | Jun 26, 2009 | insurance, life insurance
In an article called Generations at Risk in a recent trade publication called insurancenewsnet magazine, LIMRA, an industry research organization divided the generations and laid out some interesting facts about our take on life insurance and where we buy it. Probably...
by Ed Hinerman | Jun 26, 2009 | insurance, life insurance, rate increase, term insurance
Reliastar has come up with a new approach to rate changes reminiscent of last fall’s presidential campaign. Their word to agent’s, Change is Good! They show the good side of their announcement, that some of their rates in a few selective places will...
by Ed Hinerman | Jun 25, 2009 | insurance, life insurance
It took an event like the current recession for many people to finally recognize the importance of life insurance in financial and retirement planning. Financial planners have always advocated the use of life insurance to cover the “what ifs” in your...
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...
by Ed Hinerman | Jun 24, 2009 | Independent agent, insurance, life insurance
An ongoing discussion in this forum is the fact that for so many, the rates you end up paying for life insurance are higher than they need to be simply because you used the wrong agent who used the wrong company. I just want to review a few scenarios where, if your...
by Ed Hinerman | Jun 24, 2009 | insurance, life insurance
Another agent just passed on to me a true story that just defies logic on so many levels. When a person shows up to do your life insurance paramedical exam and ekg, it would be nice to have some confidence that they know what they’re doing. His client had an...
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