by Ed Hinerman | Nov 27, 2019 | life insurance, life insurance approval, reconsideration
What if my health changes after I buy life insurance? There are plenty of precedents where insurance penalizes you when something happens. Car insurance immediately comes to mind when they raise your rates because you have a speeding ticket (or two). So, can your life...
by Ed Hinerman | Nov 27, 2019 | War zone life insurance
Do you need war zone life insurance? I just got off the phone with a client who renewed their war zone coverage for the 7th year. With a few electronic forms he is good to go for another year. Over the last 15 years we have helped civilian contractors find the...
by Ed Hinerman | Nov 26, 2019 | build, life insurance, obesity
Why? Life insurance underwriters look at all aspects of health when they are deciding at what rate to approve your application. The good news is they aren’t looking for models, but rather weight from a health standpoint….a much fairer expectation....
by Ed Hinerman | Nov 25, 2019 | life insurance, life settlement
Can you really sell a policy you don’t want anymore? It can certainly happen, but let me start by saying that not all term life policy can be sold. Selling your life insurance policy as a life settlement only happens if the transaction makes sense on both ends....
by Ed Hinerman | Nov 22, 2019 | smoking
What difference does it make? I won’t make rocket science out of this for you. Cigarette smoking and more recently vaping can put you at risk of a large number of diseases, and yes, death. Life insurance companies probably won’t decline you if you smoke,...
by Ed Hinerman | Nov 11, 2019 | life insurance, New York Life, term insurance
New York! New York! The state of New York has always been challenging for those looking for life insurance. There are a lot of life insurance companies that don’t even seek approval to sell their products in New York. New York’s Department of Financial...
by Ed Hinerman | Sep 11, 2019 | life insurance, melanoma, skin cancer
Life insurance News For Stage 0 Melanoma How many of us have laughed at or been laughed at over sunburns growing up? There wasn’t anything fun or funny about the pain, and we had no idea what was possible down the road. Skin cancer is the most common cancer in...
by Ed Hinerman | Aug 27, 2019 | bipolar, life insurance, life insurance approval, mood disorder life insurance, Uncategorized
As recently as 2013 it just wasn’t a stretch for Bipolar 2 life insurance to have a shot at getting the best rate class with some companies if you had well controlled bipolar II. The companies took into account all of the factors that should be relevant in...
by Ed Hinerman | Aug 24, 2019 | life insurance, return of premium UL, term insurance, universal life
“Change is the only constant in life” according to Heraclitus. Never met the guy but he definitely hit the nail on the head. And then Robert Burns doubled down on the thought with “The best-laid plans of mice and men often go awry”. Term or...
by Ed Hinerman | Aug 22, 2019 | income replacement, insurable interest, life insurance
WHERE WAS THE LIFE INSURANCE? I had this nagging feeling even before I understood what a great value life insurance protection is, and well before I started this forum to let everyone know the truth about life insurance. I would read or see in the news that a family...
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