by Ed Hinerman | Jan 18, 2011 | decline, life insurance
If you have ever had life insurance declined there is no doubt in my mind that you have an opinion as to whether that was a fair decision or not. If you were declined life insurance there is a very good chance that the decision is not one that is shared by all...
by Ed Hinerman | Jan 17, 2011 | Anxiety, Depression, insurance, life insurance
Although I would never say never, in general the major mood disorders such as bipolar disorder and chronic depression are hard to get approved at preferred best rates. We’ve successfully shot that shot in the past and hope to again, but it takes a truly...
by Ed Hinerman | Jan 16, 2011 | bipolar, bipolar disorder, insurance, life insurance
I recently came across a new underwriting twist that would apply primarily to mood disorders such as chronic depression and bipolar disorder, viewing a medication change as a negative event. Would it be better to not try for more stability, not try to improve by...
by Ed Hinerman | Jan 13, 2011 | accelerated death benefit, life insurance
The accelerated death benefit is one of those gold nuggets in life insurance policies that, for very little cost, can bring peace, sanity and hope in the life of someone terminally ill. The ADB is simply one of the nicest things the life insurance companies have ever...
by Ed Hinerman | Jan 11, 2011 | children's life insurance, diabetes, insurance, life insurance
No, really! Not return of premium term insurance. Not some magic vanishing premium whole life thing. This isn’t even the latest life settlement, premium financed mega mess. I think this is particularly clever and nice too. A company that is reaching out and...
by Ed Hinerman | Jan 10, 2011 | breast cancer, cancer, insurance, life insurance, melanoma
I’ve often mentioned that shopping life insurance cases before sending a formal application is important. It saves time, avoids disappointment and, from a customer service standpoint, makes the whole process of approving impaired risk life insurance far easier...
by Ed Hinerman | Jan 7, 2011 | insurance, life insurance, life partner
I’ve been in the life insurance business long enough to see a time when life insurance companies would outright deny life insurance policies for homosexual couples, citing “no legal financial justification”. They would then turn around and approve...
by Ed Hinerman | Jan 6, 2011 | AARP, insurance, life insurance, senior life insurance
If you’re over age 50 you get mail from AARP at least twice a month, if not more, inviting you to become a member and/or just partake of all the great deals they offer even if you’re not a member. If you, your parents, family or friends have fallen for the...
by Ed Hinerman | Jan 5, 2011 | decline, insurance, life insurance
I’ve always said that a life insurance decline is really not a bad place to start. Obviously it’s more fun to get approved at the best rate the first time around, but most of my clients come to me because they have health issues. They call or email because...
by Ed Hinerman | Jan 4, 2011 | guarantee, insurance, life insurance, universal life
How many blog posts and articles have I written about the catastrophic meltdown of traditional universal life insurance policies? I have sought industry assistance in nailing down approximately what percentage of the total number of UL’s are in danger of...
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