by Ed Hinerman | Jun 2, 2020 | life insurance, mortality risk, universal life
The Cost Of (Life) Insurance After 20+ years of life insurance rates going down, the chaos of the last 12 months appears to have put an end to the trend. The cost of insurance is primarily comprised of two variables, mortality experience and interest rates. Both of...
by Ed Hinerman | May 22, 2020 | life insurance, life insurance approval, prostate cancer, PSA
This post was first written September 2014, critical updates made May 2020 The Case For Prostate Cancer Active Surveillance There is no question that with today’s medical knowledge and technology, the idea of keeping an eye on a slow growing, low stage and grade...
by Ed Hinerman | May 19, 2020 | Covid-19, life insurance
The Good And Bad News In Covid 19 Life Insurance Underwriting As the country creeps back into reopening, life insurance companies have made it easier to apply for policies, with several major companies easing requirements for face to face applications and exams....
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...
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...
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...
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...
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...
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...
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...
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