by Ed Hinerman | May 28, 2013 | AIG, approval, assumptions, cash value, death benefit, guarantee, guaranteed level premium, illustration, insurance, life insurance, whole life
I’ve been working through a tricky underwriting case with a client. He was initially declined by a few companies and then approved by American General at their highest rating. Not best rate, but highest, as in table 8. It was at this point that he called me. In...
by Ed Hinerman | May 23, 2013 | approval, contestability period, decline, insurance, life insurance
I just got off the phone with a 71 year old gentleman that called because he agreed with some post I had written about final expense life insurance companies. He said his only health issue was well controlled blood pressure and, oh yah, he was about 50 pounds...
by Ed Hinerman | May 21, 2013 | Anxiety, decline, Depression, insurance, life insurance, over 50 life insurance, physicians life insurance
I’ve gone and fooled myself again. I’ve been so adamant about the pathetic underwriting from 99.5% of life insurance companies that I sometimes forget that in that one half of once percent of companies that do great things, there are still humans...
by Ed Hinerman | May 13, 2013 | A1c, blood pressure, cancer, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Not everything that goes on in our medical lives is memorable. If our blood pressure is always in the normal range more than likely we are going to remember our last blood pressure reading. Unless I was deathly ill there is no way that I would remember what my...
by Ed Hinerman | May 9, 2013 | application process, beneficiary, insurable interest, insurance, life insurance, life insurance claim
It’s been a while since I’ve updated this part of the life insurance process and there are some things that have changed and some that I simply need to redunderfy. Beneficiary designations are often not taken as seriously as they should be and can end up...
by Ed Hinerman | May 4, 2013 | assumptions, cash value, death benefit, guarantee, guaranteed level premium, illustration, indexed universal life, insurance, life insurance, long term guarantee, no lapse guarantee, universal life
Two and a half years ago, when indexed universal life insurance seemed to be taking over the insurance landscape, I spent considerable time studying the products and then posted my thoughts in this forum. In particular I took great exception to the fact that agents...
by Ed Hinerman | May 2, 2013 | application process, approval, decline, impaired risk life insurance, insurance, insurance quotes, life insurance
I know what drives the reaction, the knee jerk response of applying to every insurance company who will accept an application. It’s a desperation that grows out of a declined life insurance application and the idea that the more people you get your information...
by Ed Hinerman | Apr 16, 2013 | Alcohol Treatment Life Insurance, CEO life insurance, decline, executives, insurance, life insurance, life insurance approval
The mega agencies online are really starting to make us life insurance agents who take our time and try to do a good job look like we’re part of a clueless industry. I had an Intelliquote former client (declined last week) call today and tell me that he just...
by Ed Hinerman | Apr 5, 2013 | Alcohol Treatment Life Insurance, application process, approval, budget, compliance, decline, impaired risk life insurance, Independent agent, insurance, life insurance
Because of the nature of impaired risk life insurance, many of my clients start out just hoping for an approval (usually after several declines), but they soon find out that approval isn’t my end game. I don’t just want declines turned into approvals. I...
by Ed Hinerman | Apr 1, 2013 | application process, approval, diabetes, ING Reliastar, insurance, life insurance, Sleep apnea
$12 a month! 70% lower life insurance rates! Just pennies a day! Between the internet and tv there can’t possibly be a person left that doesn’t know that somehow, somewhere people might qualify for really cheap insurance. But how do you know when...
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