by Ed Hinerman | Feb 14, 2012 | cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA
The dreaded elevated PSA! Life insurance underwriters treat a PSA out of the normal 0-4.0 range or a PSA that is higher than your last PSA with the life insurance equivalent of shutting all the hatches on a sinking ship. Even though there are no less than half a dozen...
by Ed Hinerman | Feb 13, 2012 | accidental death, insurance, life insurance, pilot, private pilots, student pilot
There are plenty of people who took up flying as a hobby. What a great thing to be able to fly up to Wyoming and visit my mom or just fly around this beautiful country and, even better, the beautiful state of Colorado I live in. But for a lot of us that took a big hit...
by Ed Hinerman | Feb 6, 2012 | accidental death, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, disability income, insurance, life insurance, Lloyds of London, professional athletes
I have clients all over the Middle East doing everything from engineering to Afghan translation to security services. I have been working with a company out of Argentina that has oil field crews working revolving shifts in Iraq and it looks like we will have the...
by Ed Hinerman | Feb 4, 2012 | breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA
One of the brightest gems in the new cancer life insurance underwriting that was unveiled this week is the possibility to get all the way back to preferred rates with the right cancer, the right outcome and, of course, the right agent and the right company. For as...
by Ed Hinerman | Feb 2, 2012 | conversion, insurance, life insurance, universal life, whole life
I’m on about my 15th drum now. I’ve beat so many of them to death about life insurance guarantees that I have a restraining order keeping me away from the local drum shop. Life insurance companies have been selling assumptions on whole life and universal...
by Ed Hinerman | Feb 1, 2012 | breast cancer, cancer, insurance, life insurance, prostate cancer
When I was young growing up in Wyoming I remember being talked into a cow tipping trip one evening. I don’t know if this goes on everywhere, but in Wyoming adults really like to jack with kids by having them attempt urban, or in our case, country legends....
by Ed Hinerman | Jan 30, 2012 | breast cancer, cancer, insurance, life insurance, prostate cancer
I recklessly went out on a limb yesterday spreading a rumor that a major, well know A+ rated life insurance company was jumping on all of the cancer detection and treatment victories of the last several years and have changed their underwriting guidelines and...
by Ed Hinerman | Jan 29, 2012 | breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer
I hate jumping into a life insurance topic like this without all the facts but, heck, that’s why they call them rumors. Historically one of the toughest parts of underwriting has been, especially for cancer, the insistence of a one year waiting period post...
by Ed Hinerman | Jan 28, 2012 | basal cell carcinoma, cancer, decline, insurance, life insurance, melanoma
I got a call yesterday from a woman who had just been declined for a new life insurance because she had two melanomas in the last 11 years. After the second melanoma she decided she was a little more mortal than she had originally figured and wanted to increase her...
by Ed Hinerman | Jan 26, 2012 | Anxiety, decline, Depression, hepatitis, insurance, life insurance
What a cold, cruel world we live in. Most of the time I am not surprised when someone calls because they they have been approved at a standard rate, sometimes a little worse for things like ADD, ADHD, mild anxiety or depression. A few days ago I got a call from...
My 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!
Recent Comments