by Ed Hinerman | Jul 29, 2016 | accelerated death benefit, accidental death, acts of war or terrorism, dangerous occupation life insurance, foreign travel, insurance, International Business insurance, life insurance, mountain climbing, student pilot
At first thought, accidental death insurance seems quite simplistic and obvious without the need for much explanation. But you know me. Why let something obvious go without an explanation. You might be surprised at the number of inquiries I get asking what exactly...
by Ed Hinerman | Jul 27, 2016 | cigar smokers, customer service, family history, insurance, life insurance, tobacco use change, underwriting change
There is good news and bad news for me and my life insurance clients. The good news is that there are a few constants that we can hold fast to and take to the bank year after year in life insurance underwriting. It seems that those that qualify for the best rate class...
by Ed Hinerman | Jul 26, 2016 | angioplasty, approval, attending physician statement, bypass surgery, clinical underwriting, coronary artery disease (CAD), family history, heart attack, heart disease, insurance, life insurance
Coming off a post just a few days ago where I beat the compliance drum into a lather because that is what life insurance underwriters want to see, I turn around and shop a case where all of the underwriters fly in the very face of what they said and what I repeated. I...
by Ed Hinerman | Jul 25, 2016 | budget, insurance, insurance quotes, life insurance, life insurance approval, over 50 life insurance, shopping for the best life insurance
For the sake of this post let’s assume that from a life insurance perspective we would all live to about 90, well above the average mortality rate at least for Americans. And we’ll call that perfect! So life insurance should be free, right, if we all live...
by Ed Hinerman | Jul 23, 2016 | appropriate life insurance recommendation, assumptions, guarantee, illustration, indexed universal life, insurance, life insurance, second to die insurance
I get email advertising all the time from life insurance companies wanting to catch me in a weak moment and get me to jump on board with some breed of indexed universal life. Any breed really. Whether it is simple life insurance, or a bolder approach to wealth...
by Ed Hinerman | Jul 21, 2016 | clinical underwriting, Depression, impaired risk life insurance, insurance, life insurance, major depressive disorder, mood disorder life insurance
Not that long ago I wrote a post about how some companies are just missing too much good, easy, clean, actuarially sound life insurance business because they are writing the impairment and not the person. It’s like we’ve heard people say in every...
by Ed Hinerman | Jul 21, 2016 | compliance, cpap, life insurance, Sleep apnea
What happened to me? It used to be that if I went for a half a dozen blog posts without railing on the underwriting and personal health importance of control of your impairment through compliance with your treatment and commitment to change of habits if needed, I was...
by Ed Hinerman | Jul 19, 2016 | abnormal labs, application process, COPD, Hep C Cure, hepatitis, high net worth, HIV life insurance, HIV Positive, insurance, life insurance
While it would be nice to think you could read headlines like, “New Drug Cure Hepatitis C Completely”, and know that the next headline coming would be, “Life Insurance Companies Give Best Rate Class To Those Cured Of Hep C”, don’t hold...
by Ed Hinerman | Jul 18, 2016 | basal cell carcinoma, cancer, insurance, life insurance, melanoma, skin cancer life insurance, squamous cell carcinoma
Skin cancer is almost exclusively caused by exposure of UV light, darn you summer, I try to hit on the subject of life insurance and the big three, melanoma, squamous cell carcinoma of the skin and basal cell carcinoma at least once a summer. If those of us who grew...
by Ed Hinerman | Jul 16, 2016 | accidental death, business life insurance, disability, doctor's recommendation, Ex Patriot life insurance, foreign nationals, Gap medical insurance, Health insurance, insurance, medical insurance
Do we really want to even throw that question out there? How about we test out a few facts, throw some perspective on it and see how many of us want to move? The US spends more on health care than any other developed country….with worse outcomes! Well OK, but we...
by Ed Hinerman | Jul 15, 2016 | ADHD, Attention Deficit Disorder, bipolar, bipolar disorder, business life insurance, CEO life insurance, executives, insurance, life insurance, life insurance approval
I had a situation come up about a month ago, just a few days after being diagnosed bipolar II. It was amazing how quickly that diagnosis snapped a good bit of my teen and adult years into focus and I think in a lot of ways pointed a light at my business success and my...
by Ed Hinerman | Jul 14, 2016 | application process, bad customer service, beneficiary, claim, contingent beneficiary, customer service, Independent agent, insurance, life insurance
I’m not talking about setting your clock backward or forward. Sure not talking about your underwear cause I just don’t get that personal. What I’m talking about is changes to your life insurance. Did your child tick you off and you still have them as...
by Ed Hinerman | Jul 13, 2016 | budget, Independent agent, indexed universal life, insurance, lapse, life insurance, life insurance lapse
Over the years the most common reason I’ve seen for life insurance lapsing is that 1. The life insurance agent didn’t ask or didn’t care what your budget was or 2. You didn’t know or didn’t care what your budget was. I know it seems kind...
by Ed Hinerman | Jul 12, 2016 | HIV life insurance, HIV Positive, honesty, insurance, life insurance
Remember that famous book, “The Old Man and the HIV Life Insurance Market”? Yah, me too. But at this point I am considering the fact that the sea may burst forth as fresh water (it’s my poetic license right) before we see fair, consistent...
by Ed Hinerman | Jul 11, 2016 | application process, business life insurance, CEO life insurance, cognitive understanding, contestability period, contractual understanding, insurable interest, insurance, life insurance
Over the years I’ve run into plenty of families who only wished their mom or dad still understood and qualified for life insurance. It would likely be a blessing to the family to have it in force, but there’s a point where the family has to admit they’ve missed that...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments