by Ed Hinerman | Oct 30, 2008 | cholesterol, diabetes, heart attack, insurance, life insurance, PSA, term insurance
But declines happen. I’ve put together a list of the top reasons that applicants are denied coverage. We’ll start out with the first two which were covered in a post yesterday. 1. Your agent did a sloppy job. Sometimes agents slip into a habit of not...
by Ed Hinerman | Oct 29, 2008 | angioplasty, decline, diabetes, heart attack, Independent agent, insurance, life insurance
You don’t buy life insurance, rather, you apply for it. Because there is an application there should be a common understanding that there is a chance that your application will be rejected. The industry term is decline. While declines are far more the exception...
by Ed Hinerman | Oct 29, 2008 | decline, hepatitis, Independent agent, insurance, life insurance, liver functions
Well, no…..or maybe yes……it all really depends. I hope this information has been helpful. Seriously though, underwriting of Hepatitis C really comes down to a few key factors. First, is the disease in remission and second, how much damage has the...
by Ed Hinerman | Oct 28, 2008 | COPD, diabetes, heart attack, insurance, life insurance, obesity, smoking, term insurance, Type 2 diabetes
photo credit: Mykl Roventine Life insurance rates for those that smoke cigarettes, depending on the company and any additional risk factors, can run anywhere from two to four times higher than a comparable non smoker. What particularly drives underwriters crazy are...
by Ed Hinerman | Oct 27, 2008 | cigar smokers, insurance, life insurance, smoking
Several years ago Cigar Aficionado ran an article on life insurance for cigar smokers. It was a poorly researched article at the time and fell well short of giving the information needed for the cigar enjoying public to get the best rates possible. I have offered more...
by Ed Hinerman | Oct 27, 2008 | bipolar disorder, cancer, Independent agent, insurance, life insurance
We certainly have our good days and our bad days in helping those with bipolar disorder obtain life insurance. Fortunately the good does outweigh the bad. I think we do need to throw a reality check water balloon on this party though. I have often mentioned that one...
by Ed Hinerman | Oct 27, 2008 | AIG, insurance, life insurance, term insurance, universal life, whole life
Following the recent bailout/takeover of AIG by the government, other life insurance companies including Prudential are holding their hands out wanting a little of our tax money to soften the impact of their unwise investment in risky real estate loans. Investment of...
by Ed Hinerman | Oct 24, 2008 | insurance, life insurance, term insurance, universal life
Group benefits such as life and health insurance have long been one of those things that drives people to get the jobs they have and hang on to the jobs even when they might want to do something else. In our current economic state you may want to reconsider your...
by Ed Hinerman | Oct 21, 2008 | cancer, insurance, life insurance, prayer
As life goes, I lost the most ardent follower of my ramblings on life insurance via this blog a few days ago. My Father passed away after a two year fight with bladder cancer. He always posted big readership numbers for me in Wyoming and I could always count on his...
by Ed Hinerman | Oct 16, 2008 | breast cancer, cancer, Independent agent, life insurance, prayer
As many of you have so graciously tolerated my use of my Mom’s breast cancer to discuss the life insurance take on the subject, you may remember that prior to Mom, there was Dad and his stage 4 bladder cancer. About a year and a half ago Dad was given a few...
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