by Ed Hinerman | Nov 12, 2010 | insurance, life insurance, private pilots
It hasn’t been that long ago that life insurance for private pilots cost just the same as for every other person with their same health. The only downside to those good old days was that life insurance companies excluded aviation life insurance coverage. It...
by Ed Hinerman | Nov 10, 2010 | bipolar disorder, insurance, life insurance
Just like that pink rabbit, I just keep going and going and going. I know I’ve beat this drum seemingly to death, but it seems each time I beat it we reach one of two more people that we can help. Bipolar disorder is one of the most misunderstood underwriting...
by Ed Hinerman | Nov 9, 2010 | conversion, insurance, life insurance, term insurance, universal life
When all of the sub prime mortgages started going south life as we knew it changed, big time. The American dream became the good old days in just a matter of months. I wonder if someone had shouted loud enough or provided disclaimers scary enough before the loans if...
by Ed Hinerman | Nov 5, 2010 | flight instructor, life insurance, private pilots
Not too long ago I outlined several private aviation life insurance underwriting changes that Prudential had made, almost all of them in favor of the pilots. Included in those changes was underwriting for private pilots of experimental or home built aircraft without a...
by Ed Hinerman | Nov 3, 2010 | insurance, life insurance, smoking
Let’s just cut to the chase on this subject. Men who smoke very often don’t carry life insurance because smokers have to pay, in general, 3-4 times more than a non smoker of comparable health. They have decided that the extra premium means life insurance...
by Ed Hinerman | Nov 2, 2010 | Banner Life, conversion, insurance, life insurance
I have always been an advocate of buying a term length, or multiple term policies that reflect your actual life insurance needs with different term lengths. Due to some recent changes in conversion options I am considering an amendment to my recommendation. It all...
by Ed Hinerman | Nov 1, 2010 | bipolar disorder, insurance, life insurance, suicide clause
I think we can all understand why life insurance underwriters might get a little squeamish about approving someone who has attempted suicide, especially if it was in the recent past. But what about suicidal thoughts or ideations with no real action or attempt? When I...
by Ed Hinerman | Oct 28, 2010 | diabetes, insurance, life insurance
I’ve had health change surprises come out of nowhere before. I can still remember 30 years ago seeing the doctor for some innocuous thing and he did a blood workup. The result was a diagnosis of Raynauds disease. I was in my late 20’s and felt pretty good....
by Ed Hinerman | Oct 26, 2010 | buy/sell life insurance, insurance, life insurance, over 50 life insurance
You don’t care because you’re dead, right? OK. What if you had to stick around in the rafters and watch and listen to what happens if you didn’t plan for this event. Is your family going to realize a gain from all the years you put in building the...
by Ed Hinerman | Oct 25, 2010 | conversion, insurance, life insurance
I recently wrote about kind of running across a new (this year) change in American General Life’s term conversion rules that really stinks for anyone who has had their term policy for more than 5 years. It particularly struck a raw nerve because I was trying to...
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