by Ed Hinerman | Feb 26, 2010 | heart disease, insurance, life insurance
I’m always on the hunt for innovative underwriting. I like to find those nuggets when a company finally has an “aha” moment and decides that, for instance, maybe there’s some slack that can be applied to family history without risking the risk...
by Ed Hinerman | Feb 24, 2010 | bipolar, bipolar disorder, decline, insurance, life insurance
So you just got declined for life insurance and you’ve decided that life insurance companies suck. The truth is you may have just had a goose lay a golden egg for you. So, the good news in a decline? It almost always means that you either had the wrong agent or...
by Ed Hinerman | Feb 24, 2010 | AARP, insurance, life insurance, private pilots
Aircraft Owners and Pilots Association (AOPA) has held themselves out as the private pilot’s friend for a long time, the advocate, the go to organization, the one stop shop for all of your needs. For all I know they may in fact be the shining star they claim to...
by Ed Hinerman | Feb 23, 2010 | insurance, life insurance, term insurance
It’s probably been close to a year since I first mentioned the United of Omaha (Mutual of Omaha) lifestyle crediting program for life insurance underwriting called the Fit test. The Fit test provides the underwriter plenty of ammunition to approve a policy at...
by Ed Hinerman | Feb 23, 2010 | insurance, life insurance, term insurance
Using a LIMRA study of a few years ago, at that point there were tens of millions of Americans that would fit into a category of “needing” life insurance, but didn’t have any. I know I’ve been down this road before, but is there really a case...
by Ed Hinerman | Feb 22, 2010 | diabetes, insurance, life insurance
Just when you think you can count on the life insurance underwriting guidelines, Glaxo SmithKline’s Avandia, becomes a curve ball that no one is sure how to handle. Two US Senators released a confidential study that insinuates a strong link between Avandia and...
by Ed Hinerman | Feb 19, 2010 | heart attack, insurance, life insurance
I know for me that I consider daylight savings time to be a personal attack on my well being, and now there are studies to back it up. There has always been an acknowledged link between sleep deprivation and heart attacks, so it really wasn’t rocket science when...
by Ed Hinerman | Feb 18, 2010 | bipolar disorder, insurance, life insurance
Life insurance is not underwritten based on your take on your health or your mental state. If it was the case, everyone would be approved at preferred plus. We have built a very good reputation over the years for being able to turn declined life insurance applications...
by Ed Hinerman | Feb 17, 2010 | beneficiary, insurance, life insurance
I get one of these calls every month or so. A client can’t remember where they put their life insurance policy. It’s not a huge deal to fix the problem, or at least to get a new policy. The larger problem is that if you can’t find your life insurance...
by Ed Hinerman | Feb 16, 2010 | death benefit, insurance, life insurance
I’m often asked when a policy is declined or highly rated, if it would make a difference if we lowered the face amount of the insurance. In the mind of the consumer is the not so crazy thought that if the life insurance company is exposing itself to less risk...
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