by Ed Hinerman | Apr 17, 2019 | decline, life insurance
There is nothing quite like being declined for life insurance or even being highly rated when you expected smooth sailing to great rates. Since I make a living turning declined life insurance applications into approved life insurance policies, I can tell you that the...
by Ed Hinerman | Apr 17, 2019 | bait and switch, impaired risk life insurance, insurance, life insurance
A la carte means you get what you want and Quotacy is one of the stand out life insurance quote offerings that gives it to you – not the way it really is, but the way you want it. They have taken the art of life insurance bait and switch to its simplest and most...
by Ed Hinerman | Apr 16, 2019 | life insurance
This is, as promised, another in a series of posts that address the difference that the quality of a life insurance agent can make when you decide it’s time to move forward with fulfilling your family or business life insurance need. I know this borders on...
by Ed Hinerman | Apr 14, 2019 | impaired risk life insurance, life insurance
Declined life insurance applications. It’s where most of my customers come from. Most of the time, these denials have come from the wrong life insurance agents pitching the wrong life insurance companies for the job. As a specialist in high risk and high limit...
by Ed Hinerman | Apr 10, 2019 | cancer, impaired risk life insurance, life insurance
I am currently working with a client who was declined by a few other companies and apparently told that with a recent history of breast cancer life insurance approvals just weren’t in the cards. This woman was, for some reason, told by the life insurance agent...
by Ed Hinerman | Apr 8, 2019 | accidental death, Civilian War Zone Coverage, life insurance
I have a lot of civilian contractor clients working in the Middle East and African war zones. One just renewed his life insurance coverage another year and ran into an all too frequent problem. Working in a location devoid of printers or scanners, or in his case, ink,...
by Ed Hinerman | Apr 3, 2019 | cancer, life insurance, prostate cancer, prostate cancer watchful waiting
If you have recently been diagnosed with prostate cancer and/or chronic elevated PSA, you may be concerned about the ability to get life insurance. While elevated PSA’s don’t strike quite the fear they did a few years ago with life insurance...
by Ed Hinerman | Mar 27, 2019 | cancer, life insurance
If you or someone you love have been diagnosed with prostate cancer and would like life insurance, there are options to obtain it, especially if it is in low stages. Life insurance for those in active surveillance or watchful waiting stages of prostate cancer, is...
by Ed Hinerman | Mar 25, 2019 | life insurance
For those of you who have followed this forum long enough you may think I hate when you want to sell your life insurance policy to a life settlement company. OK, it is true that my first take on life settlements eight or so years ago was harsh. I didn’t trust...
by Ed Hinerman | Mar 23, 2019 | business life insurance
originally posted 2/17, updated 3/19 The best advice is to put business life insurance in place once you start business. But we all, both in our personal lives and businesses, wish we had the luxury of plenty of time to get done what we need to get done. I know in my...
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