by Ed Hinerman | Jan 5, 2010 | insurance, life insurance
I wrote a post sometime back about an experience that a now client of mine had with Selectquote. In a nutshell they gave him a quote and then after he had taken his exam they changed the quote, not based on the exam but on information they already had. They then told...
by Ed Hinerman | Jan 5, 2010 | insurance, life insurance
I had been asked to write a series of articles for a website called Opposing Views, a site that creates the opportunity for debate by citing an expert on a question and allowing the public at large to take on the opposing view. Because of my passion for what I do and...
by Ed Hinerman | Jan 4, 2010 | A1c, bipolar disorder, insurance, life insurance
There are plenty of people who would argue that 2009 could have been flushed down the toilet and not missed, and my prayers go out to all of those whose lives were derailed by the recession. For those I wish a dramatically better new year. But, when it comes to life...
by Ed Hinerman | Dec 31, 2009 | insurance, life insurance
Every time I run into the financial justification issue for a home maker I just want to scream. Most insurance companies still hold the stance that a home maker can only be insured for up to half of what the primary bread winner is insured for. Companies have never...
by Ed Hinerman | Dec 30, 2009 | estate taxes, insurance, life insurance
The House of Representatives passed a bill extending the current estate tax levels and exemptions on December 3, a move to quash the impending 2010 complete repeal of estate taxes (at least for a year). However, the Senate killed the bill, unable to garner enough...
by Ed Hinerman | Dec 30, 2009 | insurance, life insurance, obesity, Sleep apnea
I was working with a client on quotes the other day and he was telling me about a friend who had decided not to even pursue life insurance because he was convinced that he was probably not insurable. You know it’s kind of like that old saying, “The only...
by Ed Hinerman | Dec 28, 2009 | beneficiary, insurance, life insurance
I got a call from the daughter of a man who had asked me to send him an application for life insurance back in 2003 today. She wanted to know if I could help her track down the policy as he had recently passed away and the application they had found in his paperwork...
by Ed Hinerman | Dec 28, 2009 | cholesterol, HDL, insurance, life insurance
Life insurance underwriting is kind of like sand dunes. You can take a picture at the beginning of a year and it can be absolutely clear where every grain of sand lies. The exact same picture taken at the end of the year could easily have been taken on another planet....
by Ed Hinerman | Dec 23, 2009 | insurance, life insurance, term insurance
From a life insurance perspective. Heck, from just about any perspective this has been one crazy year. But the sky didn’t fall and I think it’s time we put it all in perspective and move on. Term life insurance prices have been in something of a free fall...
by Ed Hinerman | Dec 14, 2009 | gastric bypass, insurance, life insurance
The standard guideline for life insurance underwriting of gastric bypass surgery has generally been two years out from surgery and one year of weight stability. In other words most companies don’t really want to participate in your mortality post surgery,...
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