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Lab Results And Life Insurance!

by Ed Hinerman | May 11, 2020 | life insurance, life insurance approval, life insurance exam, medical records life insurance, no exam

This post was written in May 2017, critical updates May 2020 Life Insurance Exams And Labs Have Changed. A lot! When I broached this subject back in 2017 “no exam” life insurance was available through several companies, but at a significantly higher price...

USAA Wrong On Mood Disorders!

by Ed Hinerman | May 7, 2020 | ADHD, clinical underwriting, life insurance

This post was originally written October 2017, rewritten and added to May 2020 Is USAA Really Working Hard For You? I was reminded that morning three years ago just how wrong a life insurance company can be on mood disorder underwriting. I am well aware, having gone...

Denied Life Insurance Due To A “High Risk” Medical Condition?

by Ed Hinerman | Apr 24, 2020 | cancer, diabetes, heart disease, life insurance, life insurance approval

Were You Denied Life Insurance Because Of A “High Risk” Medical Condition? Being declined for anything just feels wrong, right? Being denied a car loan when you know you can make the payments is kind of a personal affront. I mean the ads on TV are...

Instant Issue And Accelerated Approval Life Insurance During Pandemic

by Ed Hinerman | Apr 22, 2020 | Covid-19, life insurance, life insurance exam, no exam

First An Update On Covid 19 Impact On Life Insurance Since my last post, while life insurance companies are still taking applications and approving new policies, underwriters with some companies have put restrictions, or postpones, on some situational areas. Probably...

More Updates On COVID-19 Life Insurance Approval Process

by Ed Hinerman | Mar 31, 2020 | Covid-19, life insurance, no exam

Life Insurance Companies Adjust To COVID-19 Reality The life insurance industry is adjusting quickly, not just in their daily commitment to their customers, but also to the COVID-19 distancing needs of those who want to buy life insurance. More companies each day are...

Answering COVID-19 Life Insurance Questions!

by Ed Hinerman | Mar 30, 2020 | Covid-19, life insurance

Where We Were Yesterday Yesterday I broke ground on several subjects that are on the minds of many about life insurance. I talked about the solid ground that life insurance companies are on financially and I talked about the challenges and solutions they, and you, are...

Does Life Insurance Still Work With COVID-19?

by Ed Hinerman | Mar 19, 2020 | Covid-19, life insurance

Are Life Insurance Companies Capable Of Handling A Pandemic? These are certainly crazy times and the truth is we don’t know how bad things will get or when this will resolve and life will begin to return to normal. I had a customer call a few days ago asking if...

Buying Life Insurance With Heart Disease Or Other Cardiac Issues

by Ed Hinerman | Mar 6, 2020 | coronary artery disease (CAD), heart attack, heart disease, life insurance

Can I Get Life Insurance With A Heart Condition Or Heart Disease If you haven’t personally experienced the trauma of a heart attack or being told that you have a life changing heart condition, like me, I’m sure you know someone who’s had one of those...

Should You Buy Guaranteed Issue Life Insurance?

by Ed Hinerman | Dec 19, 2019 | guaranteed issue life insurance, life insurance, life insurance approval

The definition couldn’t be much simpler. Guaranteed issue is a life insurance policy that the company guarantees it will issue and put in force no matter what health conditions you have. Some guaranteed issue life insurance companies have age limitations. Most...

Is Replacing Life Insurance A Bad Idea?

by Ed Hinerman | Dec 6, 2019 | life insurance, replacement

Why would you replace one life insurance policy with a new one? There are some important and ongoing questions when you own life insurance like does the policy meet your needs and Is the policy affordable? These are questions that should both elicit a yes answer when...
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Ed HinermanMy 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!

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