by Ed Hinerman | Apr 22, 2020 | Covid-19, life insurance, life insurance exam, no exam
First An Update On Covid 19 Impact On Life Insurance Since my last post, while life insurance companies are still taking applications and approving new policies, underwriters with some companies have put restrictions, or postpones, on some situational areas. Probably...
by Ed Hinerman | Mar 31, 2020 | Covid-19, life insurance, no exam
Life Insurance Companies Adjust To COVID-19 Reality The life insurance industry is adjusting quickly, not just in their daily commitment to their customers, but also to the COVID-19 distancing needs of those who want to buy life insurance. More companies each day are...
by Ed Hinerman | Mar 30, 2020 | Covid-19, life insurance
Where We Were Yesterday Yesterday I broke ground on several subjects that are on the minds of many about life insurance. I talked about the solid ground that life insurance companies are on financially and I talked about the challenges and solutions they, and you, are...
by Ed Hinerman | Mar 19, 2020 | Covid-19, life insurance
Are Life Insurance Companies Capable Of Handling A Pandemic? These are certainly crazy times and the truth is we don’t know how bad things will get or when this will resolve and life will begin to return to normal. I had a customer call a few days ago asking if...
by Ed Hinerman | Dec 19, 2019 | guaranteed issue life insurance, life insurance, life insurance approval
The definition couldn’t be much simpler. Guaranteed issue is a life insurance policy that the company guarantees it will issue and put in force no matter what health conditions you have. Some guaranteed issue life insurance companies have age limitations. Most...
by Ed Hinerman | Dec 6, 2019 | life insurance, replacement
Why would you replace one life insurance policy with a new one? There are some important and ongoing questions when you own life insurance like does the policy meet your needs and Is the policy affordable? These are questions that should both elicit a yes answer when...
by Ed Hinerman | Dec 6, 2019 | life insurance, life insurance approval, marijuana use
The Overview Up until about six years ago life insurance companies that would approve someone who admitted smoking pot, approved them at the same smoking rates that applied to cigarette smokers. There wasn’t a lot of underwriting logic to that decision other...
by Ed Hinerman | Dec 4, 2019 | decline, life insurance, life insurance approval
Are you blackballed when you are declined for life insurance? In the 18th century blackballing was simply voting using a black versus white ball. In more recent times it came to mean a removing someone from consideration. Being blackballed Is serious stuff no matter...
by Ed Hinerman | Dec 4, 2019 | cancer, life insurance, life insurance approval
Can you get life insurance after completing cancer treatment? I wish the answer to that question was always yes. Since it’s not, let’s talk about the criteria that need to be met in order to get life insurance after completing cancer treatment. Most...
by Ed Hinerman | Dec 2, 2019 | cigar smokers, life insurance, marijuana use
Nicotine use impact on life insurance pricing! Life insurance underwriting has been appropriately rough on those who smoke cigarettes. There is a mountain of medical and scientific evidence concerning the medical and mortality risks of smoking cigarettes. Recently...
by Ed Hinerman | Dec 2, 2019 | life insurance, private pilots
Do pilots pay more for life insurance? This is one of those life insurance questions that has been on something of a roller coast ride for the last 20 years. There was a long period when most life insurance companies were decidedly unfriendly to private pilots, but a...
by Ed Hinerman | Nov 30, 2019 | children's life insurance, life insurance
Should I carry life insurance on my children? The question of carrying life insurance on children has elicited all kinds of responses over my years of answering that question. Some parents don’t like the idea for emotional reasons. They didn’t want to...
by Ed Hinerman | Nov 27, 2019 | life insurance, life insurance approval, reconsideration
What if my health changes after I buy life insurance? There are plenty of precedents where insurance penalizes you when something happens. Car insurance immediately comes to mind when they raise your rates because you have a speeding ticket (or two). So, can your life...
by Ed Hinerman | Nov 26, 2019 | build, life insurance, obesity
Why? Life insurance underwriters look at all aspects of health when they are deciding at what rate to approve your application. The good news is they aren’t looking for models, but rather weight from a health standpoint….a much fairer expectation....
by Ed Hinerman | Nov 25, 2019 | life insurance, life settlement
Can you really sell a policy you don’t want anymore? It can certainly happen, but let me start by saying that not all term life policy can be sold. Selling your life insurance policy as a life settlement only happens if the transaction makes sense on both ends....
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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