by Ed Hinerman | Sep 20, 2012 | A1c, diabetes, insurance, life insurance, Type 1 diabetes
There’s always a little hesitance on my part to proclaim an underwriting breakthrough to actually be an underwriting breakthrough for a couple of reasons. First, life insurance underwriting guidelines have been known to change for the better and back again and...
by Ed Hinerman | Sep 15, 2012 | business life insurance, buy/sell life insurance, high net worth, insurance, key man insurance, life insurance
It’s a given that most companies would carry key man life insurance or buy/sell life insurance on the CEO. Any company that thinks they are too small or too large for CEO life insurance coverage really hasn’t thought through what would happen if that...
by Ed Hinerman | Sep 12, 2012 | accidental death, Alcohol Treatment Life Insurance, decline, DUI, insurance, life insurance
There is this perverse notion, an urban legend if you will, that if you get declined for life insurance you become life insurance toast from then on. You might as well buy accidental death insurance and just hope that space junk and not cancer is the cause of your...
by Ed Hinerman | Sep 6, 2012 | insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, PSA
I had mentioned in a post not too long ago about a new test that might negate the need for invasive biopsies when men have a high or elevating PSA. A recent Reuters article kind of hit the nail on the head when it comes to the reliability of the PSA as an indicator of...
by Ed Hinerman | Aug 21, 2012 | application process, approval, insurance, insurance quotes, life insurance, term insurance
So, what happens if the approved life insurance application isn’t at the same rate you were quoted? This happens a lot when you use agents that don’t shop cases before they choose the right company. Less frequently it happens when new information comes up...
by Ed Hinerman | Aug 16, 2012 | application process, insurance, life insurance, liver functions
So, let me catch you up. First you went through finding the right agent because anyone who reads this blog knows that the right agent using the right company equals the right outcome. Then your agent got down and personal and used that information to informally shop...
by Ed Hinerman | Aug 13, 2012 | application process, insurance, insurance quotes, life insurance, life insurance approval
Now we’re rolling. Just because I’ve used two posts getting to the actual life insurance application and life insurance exam is not indicative of how long the process takes. Again, as promised, at the end of this series I will give a breakdown of the...
by Ed Hinerman | Aug 7, 2012 | application process, approval, conversion, guaranteed level premium, insurance, insurance quotes, life insurance, life insurance approval
I’m going to make this life insurance application process seem a bit lengthy and cumbersome in explaining it, but be assured right up front that the process is neither of those if you just take some of these suggestions to heart and work right through it. In...
by Ed Hinerman | Aug 6, 2012 | application process, insurance, insurance quotes, life insurance, life insurance approval
Applying for life insurance is one of those things in life where you really have some control over what it feels like, how long it takes and how it ends. It is, in that respect, somewhat the polar opposite of applying for a passport. My memory of that was that once...
by Ed Hinerman | Aug 2, 2012 | basal cell carcinoma, breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer, squamous cell carcinoma
OK. I made it up just to get your attention. No, seriously. Companies are just blowing me away with the offers and approvals they are giving on low stage and grade cancers. In this case I have a company approving a policy at preferred 3 months after a melanoma was...
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