by Ed Hinerman | Jul 1, 2010 | decline, insurance, life insurance
For most being declined for life insurance feels a little like being convicted of a crime that you didn’t commit. It’s also scary not knowing what to do, whether to try again, whether you will be black balled because of the decline, who knows. The problem...
by Ed Hinerman | Jul 1, 2010 | death benefit, insurance, life insurance
I was reviewing a legal synopsis of a contested life insurance beneficiary situation this morning and it reminded me just how important it is to make those changes in a timely fashion, and then double check to make sure it has been done. In this particular case the...
by Ed Hinerman | Jun 29, 2010 | insurance, life insurance, private pilots
Prudential Life recently took two steps forward and one step back in their underwriting treatment of private pilots. First they took a bold step forward in their underwriting of owners of experimental and home built aircraft. The pre-change underwriting was very clear...
by Ed Hinerman | Jun 29, 2010 | Anxiety, Depression, insurance, life insurance
I don’t know what some life insurance companies are thinking when they rate a policy because someone was on or is on an anti depressant or anti anxiety medication due to something completely situational like a divorce, the loss of a job or a death in the family....
by Ed Hinerman | Jun 28, 2010 | insurance, life insurance
For years an older friend of mine and life insurance client from church has been inviting me to go to “his special fishing spot” on the Gunnison River in Black Canyon National Park. He had explained for years that it was “quite” a hike in, but...
by Ed Hinerman | Jun 22, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I was recently asked to work on a case where the client was feeling like the kiss of decline was the best she would ever hear! Her only problem was that she had been a type 1 diabetic since age 9. I shared with you not too long ago how we had found that spot where...
by Ed Hinerman | Jun 18, 2010 | foreign nationals, insurance, life insurance
In a post last week I mentioned that we might be on to (finally) a US life insurance company willing to write policies on foreign nationals with clearly stated guidelines and rules. It has been that last part that has eluded us to date. Every once in a while a company...
by Ed Hinerman | Jun 16, 2010 | bipolar disorder, insurance, life insurance, prostate cancer
Table rated term insurance offers continue to tumble to a standard rate with United of Omaha’s health and lifestyle credit method, what they call their Fit test. I continue to be pleasantly amazed at how the company is honoring this commitment to reward good...
by Ed Hinerman | Jun 11, 2010 | insurance, life insurance, life settlements
I’ve been very clear for a long time that I think life settlements are ethically wrong and, left unchecked, could cause irreparable damage to the tax advantages that life insurance now has. The question really revolves around the question of insurable interest,...
by Ed Hinerman | Jun 10, 2010 | foreign nationals, insurance, life insurance
I often get calls from companies that would like to offer their products through our agency. Most are companies offering types of insurance that I prefer not to get into. My goal has been to keep it simple. So, with the exception of an occasional disability policy for...
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