by Ed Hinerman | Feb 4, 2010 | insurance, life insurance, Sleep apnea
We’ve leaned on Prudential for quite some time for the best underwriting on sleep apnea. Now ING Reliastar has decided they want a piece of that risk pool also. Generally most companies will underwrite mild to moderate obstructive sleep apnea in the standard to...
by Ed Hinerman | Feb 4, 2010 | insurance, life insurance, universal life, whole life
In working with a planned giving department of a major university on their life insurance program, I advised their lead attorney that a critical place for them to start is a complete review of the insurance policies that are already on the books. I’ve screamed...
by Ed Hinerman | Feb 3, 2010 | insurance, life insurance, mortality risk
Understand that there isn’t anything I like about investor owned life insurance. Now matter how you sugar coat it someone or some institution with a profit margin has a vested interest, not in my life but in my death. That’s just creepy. My nephew came to...
by Ed Hinerman | Feb 2, 2010 | insurance, life insurance
Sometimes I get the sense that doctors are very careful about making their patients uneasy for fear they will run off and get a second opinion and forget to pay for the first one. I have a client who had an echocardiogram last year and one of the results that was...
by Ed Hinerman | Feb 1, 2010 | family history, heart attack, insurance, life insurance
Family history is one of those issues that just isn’t much fun to explain and frankly, from a life insurance underwriting standpoint, is a little hard to make a mortality risk case for more often than not. Now I’ll give the actuaries the benefit of the...
by Ed Hinerman | Feb 1, 2010 | insurance, life insurance, private pilots
As noted last week a major A+ rated life insurance company has broken into uncharted waters by offering preferred plus (best rate class) rates for private pilots that are not instrument rated. And that’s just the tip of the good news iceberg. It gets even better...
by Ed Hinerman | Jan 30, 2010 | estate taxes, insurance, life insurance
I went for a drive yesterday. The mountains are all snow packed and it was just one of those wonderful post storm days when, well, you just feel blessed to live in the Rockies. I sometimes (almost all of the time) get locked in my own little world in my office. Not...
by Ed Hinerman | Jan 28, 2010 | insurance, life insurance, private pilots
So many life insurance companies have come so close, but none have ever stepped off the edge and done it. Preferred plus rates with no extra charge for private pilots who don’t have an instrument rating. ING Reliastar came out with their preferred plus and a...
by Ed Hinerman | Jan 27, 2010 | conversion, insurance, life insurance
I just completed a conversion of a term insurance policy for a client who truly didn’t have any other options. Having shopped the world, due to a particularly aggressive prostate cancer, we weren’t able to wrote a new policy for him. His term insurance was...
by Ed Hinerman | Jan 26, 2010 | insurance, life insurance, universal life, whole life
Just like any life insurance policy, a policy that is taken out for the purposes of charitable giving, whether it’s for your church or your university, has to be reviewed annually. Too often there’s a big commotion around setting up a trust and getting a...
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