by Ed Hinerman | Nov 27, 2012 | AARP, Active Duty Military Life Insurance, insurance, life insurance, Met Life, New York Life, over 50 life insurance
I am firmly on record as believing with all my heart that MetLife may own the rights to use Snoopy, but morally they don’t deserve it. I first lost my patience with their Snoopy abuse when I found the bottom line on their patriotic offer to provide life...
by Ed Hinerman | Nov 26, 2012 | Anxiety, bipolar disorder, Depression, gastric bypass, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity
Let me start out by saying that traditional life insurance underwriting doesn’t reward treatment of health issues. That is as in DOES NOT reward. There are still life insurance companies out there that will whack a client like a golf ball for taking medication...
by Ed Hinerman | Nov 22, 2012 | application process, estate taxes, executives, financial adviser, guarantee, guaranteed level premium, high net worth, insurance, life insurance, no lapse guarantee, universal life
For months, no years now I have been writing about and telling clients about the best permanent product on the life insurance market and how, if they drug their feet long enough considering the purchase, a day would come when they would look back and say, “Dang!...
by Ed Hinerman | Nov 19, 2012 | compliance, insurance, insurance quotes, life insurance, life insurance approval, mortality, mortality risk
This is one of these subjects that goes in several directions. Your doctor’s opinion can help you get the best possible life insurance rate. It can also bring your life insurance application to a screeching halt and if it ever comes down to who is right, the...
by Ed Hinerman | Nov 7, 2012 | budget, cash value, high net worth, indixed universal life, insurance, life insurance, no lapse guarantee, rate increase, universal life, variable universal life, whole life
Whether there is anything to the Mayan calendar that predicts the end of the world next month or not, there is one thing that is an absolute life insurance fact. Because of actions by the NAIC, National Association of Insurance Commissioners, with the strict...
by Ed Hinerman | Nov 6, 2012 | approval, bipolar, bipolar disorder, decline, executives, impaired risk life insurance, insurance, life insurance
I am more amazed every day at the huge misconception there seems to be in our country about the face of bipolar disorder and what it most certainly means when it comes to trying to be approved for life insurance. To give you a sense where most life insurance companies...
by Ed Hinerman | Nov 5, 2012 | approval, contestability, decline, financial adviser, insurance, life insurance
Over the last seven years I have only taken, I think, maybe three opportunities in this forum to spout off on a subject not necessarily related to life insurance, life insurance underwriting or impaired risk life insurance. The election is tomorrow and without knowing...
by Ed Hinerman | Nov 2, 2012 | accidental death, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, foreign nationals, High Limit AD and D, insurance, International Business insurance, life insurance
I’ve brought this up in the past in response to a very real need with missionaries. Traditional life insurance isn’t horribly friendly to folks doing mission work outside of the country, a knee jerk reaction to the fact that there are some places in the...
by Ed Hinerman | Oct 31, 2012 | blood pressure, cholesterol, HDL, high blood pressure, insurance, life insurance
A few years back I fought a bloody battle with an underwriter from ING over what today still stands as the most illogical piece of underwriting I have ever run in to. Not that the two events are in any way related, but I won the battle and then watched company after...
by Ed Hinerman | Oct 30, 2012 | breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life
There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an eye opener right now. I’ve tried to note each change or...
by Ed Hinerman | Oct 18, 2012 | AARP, Burial insurance, compliance, final expense life insurance, financial adviser, guarantee, guaranteed level premium, insurance, life insurance, universal life
Everyone wants a deal. My wife never buys anything without throwing out the Dave Ramsey line, “Is that the best you can do?”, and I am amazed at how much and where she gets discounts. Too bad Dave has never asked his own life insurance agent that, but...
by Ed Hinerman | Oct 16, 2012 | Alcohol Treatment Life Insurance, approval, business life insurance, court ordered life insurance, Drug Treatment Life Insurance, executives, insurable interest, insurance, International Business insurance, life insurance, Lloyds of London
The life insurance process is by law and by practice a confidential transaction. Life insurance agents shouldn’t be telling anyone about who they are working for and life insurance examiners shouldn’t be telling anyone about who they have examined and home...
by Ed Hinerman | Oct 10, 2012 | customer service, decline, executives, financial adviser, insurance, insurance quotes, life insurance, life insurance approval, term insurance
The CEO of a Denver based company contacted me today. He was shopping for life insurance and because he was a private pilot with almost no current flight time, as in none for 4 years, he was getting quotes that were through the roof. When you need millions in life...
by Ed Hinerman | Oct 9, 2012 | compliance, doctor's recommendation, insurance, life insurance
There is, especially in impaired risk life insurance, frequently a disagreement between clients and their doctors as to whether or not a condition or illness actually exists and almost always some contention over the severity or the treatment. Life insurance...
by Ed Hinerman | Oct 6, 2012 | bait and switch, customer service, honesty, Independent agent, insurance, insurance quotes, life insurance, life insurance approval
I had an experience with Direct TV yesterday that left me wondering if there is anyone left in this country that truly cares about their customers. I definitely understood by the end of the four hour ordeal, that, and this is from Chase Carey’s secretary,...
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