by Ed Hinerman | May 24, 2008 | foreign travel, Independent agent, insurance, life insurance
For as long as I’ve been in the business, not quite 100 years but working on it, foreign travel has been fair game for life insurance companies underwriting criteria. In the words of an underwriter I spoke to several years ago, “it seems prudent for us to...
by Ed Hinerman | May 23, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, prostate cancer, PSA
Guys! The boogie man isn’t under the bed, but rather right below our belly buttons, just about a finger’s length up our rear ends. I’m talking about the prostate gland and the fact that 1 in 6 men will get prostate cancer in their life time. Prostate...
by Ed Hinerman | May 23, 2008 | cigar smokers, insurance, life insurance, smoking
I know I’ve been all about the downside of smoking and life insurance this week. I’ve gone on and on about the valid reasons why life insurance underwriters are a bit brutal when it comes to smoking, especially in combination with health issues that are...
by Ed Hinerman | May 22, 2008 | asthma, COPD, heart disease, high blood pressure, hypertension, insurance, life insurance, smoking
I went off a bit on some of the more ridiculous combinations with smoking the other day. Smoking and asthma. Smoking and heart disease, etc. Some guy (blog name Joe Camel (clever)), took some hard swings at the life insurance industry for being so mean to smokers....
by Ed Hinerman | May 22, 2008 | Independent agent, insurance, key man insurance, life insurance, return of premium term insurance, term insurance, whole life
Return of premium term life insurance is certainly a hot topic these days, so where do you turn to get an unbiased analysis of whether or not it is a good fit for your financial needs? I guess my best advice is simply to steer clear of anyone that thinks it’s...
by Ed Hinerman | May 22, 2008 | insurance, life insurance, no exam
We all see advertising on a regular basis offering life insurance without an exam. I can tell you personally I am not a big fan of having blood drawn and peeing in cups either, so I understand the appeal. What they obviously aren’t going to share with you is the...
by Ed Hinerman | May 21, 2008 | insurance, life insurance, term insurance, whole life
Just one last thought for the day. Mortgage life insurance has been one of the biggest rip offs since it’s inception. No matter how it’s packaged it ends up costing far more than you need to spend. I just found a great example. This particular agency wants...
by Ed Hinerman | May 21, 2008 | insurance, life insurance, universal life, whole life
My true desire is that in another 20 years the country will be purged of all of the fraudulently sold non guaranteed whole life and universal life policies. There should have been some professional good cop/bad cop format in place to keep the disaster that has...
by Ed Hinerman | May 21, 2008 | accelerated death benefit, insurance, life insurance, women
I was recently contacted by a stay at home mom who was, putting it politely, a little annoyed because she was told by an insurance agent that she could only be approved for 1/2 as much life insurance as her husband was carrying. I explained to her that, in fact, that...
by Ed Hinerman | May 21, 2008 | blood pressure, insurance, life insurance, obesity, Sleep apnea
We continue to get inquiries and continue to have success in finding affordable life insurance for people with a history of sleep apnea. This is another one of those areas where the majority of companies still have a knee jerk reaction built into their underwriting...
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