by Ed Hinerman | Nov 26, 2013 | insurance, life insurance, life insurance approval, smoking
Back in the day there was a company that underwrote life insurance for “social smokers”, which by their definition was anyone who smoked maybe two or three cigarettes a day. That was US Financial, the author and creator of the clinical underwriting idea....
by Ed Hinerman | Nov 25, 2013 | bipolar, bipolar disorder, decline, Depression, HIV life insurance, insurance, life insurance, life insurance approval, prostate cancer
With all the great things happening on so many fronts I thought it prudent to bring things up to date on mood disorder life insurance and specifically the continued success we are having placing well controlled bipolar disorder. Even with major breakthroughs in life...
by Ed Hinerman | Nov 21, 2013 | customer service, executives, insurance, life insurance
Are you ready to celebrate the 50th anniversary of Mutual of Omaha’s never ending show Wild Kingdom. I was an obnoxious 10 year old when Marlin Perkins first took over our TV’s and started teaching us how life and health insurance were delicately woven...
by Ed Hinerman | Nov 7, 2013 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
When you do a search for life insurance for HIV positive on Google you would have to believe that all that is still available is what has always been available, final expense guaranteed issue life and burial guaranteed issue life. These are small (less than $50,000)...
by Ed Hinerman | Nov 6, 2013 | insurance, life insurance, term insurance, universal life, variable universal life, whole life
I was following a conversation in another blog a few days ago and one guy’s opinion was that term life insurance isn’t worth the paper it’s written on because, according to him, only 1.7% of term life insurance policies ever pay an actual claim. The...
by Ed Hinerman | Nov 4, 2013 | approval, decline, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
I’ve said often enough to be considered redundant beyond reproach that a decline for life insurance is a good place to start. The thing about a decline is it flushes out all of the details that might have simply not been understood or forgotten by the client and...
by Ed Hinerman | Nov 1, 2013 | children's life insurance, insurable interest, insurance, life insurance
There are a few things that, if we didn’t learn it from our own lives, we can count on to be true about our children. 1. If they take off in the wrong direction early (drinking, drugs, accidental single parenthood), and aren’t quick to turn around, they...
by Ed Hinerman | Oct 29, 2013 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval, prostate cancer, PSA
Prostate cancer has been one of the easier cancers for life insurance underwriting for a long time, but the criteria for those low stage and grade cases has been expanded to areas not seen before. In recent weeks I’ve been all over this forum about breakthroughs...
by Ed Hinerman | Oct 28, 2013 | guaranteed issue life insurance, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval, life insurance for gay couples, term insurance, universal life
Just a month ago there was only one step to getting life insurance if you were HIV positive. You filled out an application for guaranteed issue life insurance and sent in money, lots of money. Guaranteed issue whole life insurance was your only choice and even though...
by Ed Hinerman | Oct 17, 2013 | Active Duty Military Life Insurance, insurance, insurance quotes, life insurance, life insurance approval, life insurance claim, Met Life
As much as I’m not a huge fan of the Met Life active duty life insurance stance, after these past few weeks, for those who qualify, it might be worth considering. My gripe with the way they offer their life insurance program for active duty military is that they...
by Ed Hinerman | Oct 15, 2013 | approval, business life insurance, CEO life insurance, executives, guaranteed issue life insurance, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
Some nut case has been all over the internet search engines claiming a phenomenal life insurance underwriting breakthrough that will allow a large number of HIV positive people to get traditional life insurance up to $1 million. Since HIV became an issue in the...
by Ed Hinerman | Oct 11, 2013 | Anxiety, bipolar disorder, Depression, insurance, life insurance, life insurance approval, life insurance underwriting
I mentioned a few weeks ago that I had forwarded a post to three life insurance companies, Prudential, Banner Life and American General Life. The gist of the post was that it seemed to me and several of my colleagues that there had been a serious shift in mood...
by Ed Hinerman | Oct 9, 2013 | bipolar, bipolar disorder, compliance, decline, insurance, life insurance, life insurance approval
Life insurance underwriters have a one word answer to applicants who have been prescribed medicine, or recommended to take a test and not taken it. That word is decline. In a nutshell it comes under the heading of non compliant with treatment. I’m guilty of it...
by Ed Hinerman | Oct 8, 2013 | approval, HIV Positive, insurance, lab results, life insurance, life insurance approval
So we’ve rounded the corner where we know we have life insurance carriers that will approve up to $1mm of life insurance, both term and permanent with life insurance underwriting guidelines that are custom made for just applicants who are HIV Positive. So you...
by Ed Hinerman | Oct 7, 2013 | approval, HIV Positive, insurance, insurance quotes, life insurance, life insurance approval
Over all the years I’ve been in life insurance I’ve talked with dozens of people who were HIV+ and needed life insurance and the only thing I could offer them was guaranteed issue life insurance. Guaranteed issue is exactly what it says. If you’re...
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!
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