by Ed Hinerman | Nov 18, 2020 | ADHD, Anxiety, approval, life insurance, life insurance approval
I first wrote this post five years ago in reaction to a client who had put their faith in USAA. They were a veteran and, after all, USAA makes much of being America’s patriotic insurance company. Their experience with USAA was nothing short of insulting, not...
by Ed Hinerman | Oct 31, 2020 | atrial fibrillation, coronary artery disease (CAD), heart attack, heart disease, life insurance
I wrote this post three and a half years ago and there have been several positive changes in the life insurance underwriting of heart disease and heart disorders. I hope the updated information below will give you the answers you need about how to acquire life...
by Ed Hinerman | Jul 13, 2020 | business life insurance, life insurance, life insurance approval
I wrote this in 2017 and, well the world has changed. Time for an update! Do You Love To Talk About Life Insurance? Aw, c’mon! Admit that you hide copies of Insurance News Net magazine in your closet. Do you secretly run quotes online for insane amounts of life...
by Ed Hinerman | Jun 10, 2019
Anxiety and ADD Life Insurance Anxiety and ADD Life Insurance Anxiety and ADHD life insurance is attainable and affordable. If something that impacts your day to day life can be called minor, anxiety and ADD/ADHD would be considered the two minor mood disorders from a...
by Ed Hinerman | Apr 23, 2019 | business life insurance, CEO life insurance, life insurance, prostate cancer watchful waiting
Let’s be honest. Successful business people don’t pick the providers of critical support like CPA’s, attorneys, suppliers and financial advisers by looking online for cheap and easy. So why would they look for an honest, efficient and hard working...
by Ed Hinerman | Apr 14, 2019 | impaired risk life insurance, life insurance
Declined life insurance applications. It’s where most of my customers come from. Most of the time, these denials have come from the wrong life insurance agents pitching the wrong life insurance companies for the job. As a specialist in high risk and high limit...
by Ed Hinerman | Mar 23, 2019 | business life insurance
originally posted 2/17, updated 3/19 The best advice is to put business life insurance in place once you start business. But we all, both in our personal lives and businesses, wish we had the luxury of plenty of time to get done what we need to get done. I know in my...
by Ed Hinerman | Mar 20, 2019 | impaired risk life insurance, life insurance, mood disorder life insurance
In reviewing my database of clients, it became obvious that a large block of my business, something around 25%, are life insurance for clients with some form of mood disorder. This is significant because it means the word really is getting out that life insurance...
by Ed Hinerman | Mar 16, 2019 | business life insurance
original post July 2015, updated March 2019 I know I am balancing on the small tip of the iceberg with the number of CEO’s and business partners I have helped with last minutes rescues for business loan collateral life insurance. Never is it more true than when...
by Ed Hinerman | Mar 3, 2019 | business life insurance
original post 11/2014, updated 3/2019 Wouldn’t it be great if everyone who needed business life insurance was a life insurance poster child? No health issues. No family history issues. No past drug or alcohol problems. Unfortunately those in need of business...
by Ed Hinerman | Dec 5, 2018 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, key man insurance, life insurance
For the next few weeks I am going to pick apart and try to make sense of business life insurance in all of its’ different forms. Just like personal life insurance, business life insurance is meant to take the burden off of a company in the same way that personal...
by Ed Hinerman | Nov 6, 2018 | atrial fibrillation, business life insurance, CEO life insurance, insurance, life insurance, life insurance approval
So, BNP (natriuretic peptide). What the heck is it? In layman’s terms (so I can understand it), BNP is a protein release by the heart that could indicate congestive heart failure. But listen up all of you life insurance underwriters……It could mean a...
by Ed Hinerman | Oct 13, 2018 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, life insurance, life insurance approval
It’s what we’re all looking for when we finally get around to the task of acquiring life insurance, a great deal. For each of us that can be defined differently. For many of my clients just finding a company that will approve a life insurance policy is a...
by Ed Hinerman | Sep 13, 2018 | Covid-19, life insurance approval, prostate cancer, prostate cancer watchful waiting
I wrote the post below a few years ago and things have been changing, so here is an updated version of the information. The Way It’s Been I’ve written for years about the best underwriting and life insurance prices available for those with treated and...
by Ed Hinerman | Apr 10, 2018 | business life insurance, CEO life insurance, Foreign National Life Insurance, insurance, life insurance, life insurance approval
I am still shaking my head over the news I got today from the last bastion of reasonable foreign national life insurance underwriting. Most US life insurance companies had gone south in this niche a few years ago, heading their life insurance guidelines for foreign...
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