by Ed Hinerman | Mar 4, 2014 | application process, approval, customer service, impaired risk life insurance, insurance, life insurance
How One Life Insurance Agent Made Over $250,000!!!!!!! There isn’t an hour that goes by that I don’t receive a phone call or an email that starts out with a statement like that. It’s, of course, some life insurance company’s way of trying to...
by Ed Hinerman | Feb 27, 2014 | AIG, application process, assumptions, contestability, honesty, Independent agent, insurance, life insurance, life insurance approval, life insurance underwriting
I’ve often shared how frustrating it is from my perspective to be helping a client who is having trouble getting life insurance, and have them compound the seriousness of the work by lying to me, or being less than candid. Well hang on to your shorts life...
by Ed Hinerman | Feb 19, 2014 | financial adviser, grandparent life insurance, impaired risk life insurance, income replacement, insurance, life insurance, over 50 life insurance, term insurance
My name is Ed Hinerman and my wife and I are grandparents. In the whole scheme of things hardly noteworthy except for the fact that we are part of a growing number of grandparents who are raising our grandchild. The last census showed that just shy of 5 million...
by Ed Hinerman | Feb 6, 2014 | Depression, diabetes, HIV life insurance, HIV Positive, Independent agent, insurance, life insurance, life insurance approval, Type 1 diabetes
And when I answer the phone, and it’s me who answers it, I truly want to know just that. How can I help you? If you found me you probably have already experienced life insurance agents who couldn’t help you or wouldn’t help you. You may have suffered...
by Ed Hinerman | Feb 5, 2014 | application process, approval, customer service, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
In a business that is absolutely brutal to succeed in, just like it is a real piece of work to find the best life insurance company for your situation, it is even harder to find an agent that can not just help you succeed, but treat you with respect along the way....
by Ed Hinerman | Jan 29, 2014 | application process, approval, business life insurance, death benefit, estate taxes, executives, high net worth, insurable interest, insurance, life insurance
You can figure I would take off on a subject like this because of some recent interaction with a life insurance underwriter who obviously has a desk somewhere out in left field, but the truth is there is never any shortage of questions that are completely irrelevant...
by Ed Hinerman | Jan 23, 2014 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance claim
I was running life insurance quotes for a client who is HIV positive yesterday. We went through all the questions about when he was diagnosed, the RNA and CD4 levels when he was diagnosed and the fact that his viral load has been undetectable since starting on...
by Ed Hinerman | Jan 16, 2014 | approval, cigar smokers, e-cigarette life insurance, insurance, life insurance, life insurance approval, smoking
There is probably no worse platform to jump off of than answering the first page question on a life insurance application about whether you use tobacco or nicotine products, if you do. While I’ll get to some exceptions to the rule in a minute, with almost every...
by Ed Hinerman | Jan 10, 2014 | bipolar disorder, disability, disability income, insurance, life insurance
I don’t think it’s any secret that there are some things about our country, and please don’t think I don’t love and wouldn’t defend the USA, that just bug me to tears. I had a call from the wife of a disabled veteran today who wanted life...
by Ed Hinerman | Jan 2, 2014 | contestability, contestability period, disability income, foreign travel, insurance, life insurance, life insurance claim
I am currently working with the CEO, President and Vice president of a company that has turned global in nature. They currently qualify for disability income insurance based on their past and planned business travel, but are concerned that the limitations set to...
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