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...
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...
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...
by Ed Hinerman | Dec 6, 2019 | life insurance, life insurance approval, marijuana use
The Overview Up until about six years ago life insurance companies that would approve someone who admitted smoking pot, approved them at the same smoking rates that applied to cigarette smokers. There wasn’t a lot of underwriting logic to that decision other...
by Ed Hinerman | Dec 4, 2019 | decline, life insurance, life insurance approval
Are you blackballed when you are declined for life insurance? In the 18th century blackballing was simply voting using a black versus white ball. In more recent times it came to mean a removing someone from consideration. Being blackballed Is serious stuff no matter...
by Ed Hinerman | Dec 4, 2019 | cancer, life insurance, life insurance approval
Can you get life insurance after completing cancer treatment? I wish the answer to that question was always yes. Since it’s not, let’s talk about the criteria that need to be met in order to get life insurance after completing cancer treatment. Most...
by Ed Hinerman | Dec 4, 2019 | heart attack, heart disease
Is there a 5 year waiting period for life insurance approval? The answer to that question may have been yes at some point in life insurance history with some companies but not in the last 20 years and not with the companies I represent. It is more likely that this 5...
by Ed Hinerman | Dec 2, 2019 | cigar smokers, life insurance, marijuana use
Nicotine use impact on life insurance pricing! Life insurance underwriting has been appropriately rough on those who smoke cigarettes. There is a mountain of medical and scientific evidence concerning the medical and mortality risks of smoking cigarettes. Recently...
by Ed Hinerman | Dec 2, 2019 | life insurance, private pilots
Do pilots pay more for life insurance? This is one of those life insurance questions that has been on something of a roller coast ride for the last 20 years. There was a long period when most life insurance companies were decidedly unfriendly to private pilots, but a...
by Ed Hinerman | Nov 30, 2019 | children's life insurance, life insurance
Should I carry life insurance on my children? The question of carrying life insurance on children has elicited all kinds of responses over my years of answering that question. Some parents don’t like the idea for emotional reasons. They didn’t want to...
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