by Ed Hinerman | Nov 11, 2019 | life insurance, New York Life, term insurance
New York! New York! The state of New York has always been challenging for those looking for life insurance. There are a lot of life insurance companies that don’t even seek approval to sell their products in New York. New York’s Department of Financial...
by Ed Hinerman | Sep 11, 2019 | life insurance, melanoma, skin cancer
Life insurance News For Stage 0 Melanoma How many of us have laughed at or been laughed at over sunburns growing up? There wasn’t anything fun or funny about the pain, and we had no idea what was possible down the road. Skin cancer is the most common cancer in...
by Ed Hinerman | Aug 27, 2019 | bipolar, life insurance, life insurance approval, mood disorder life insurance, Uncategorized
As recently as 2013 it just wasn’t a stretch for Bipolar 2 life insurance to have a shot at getting the best rate class with some companies if you had well controlled bipolar II. The companies took into account all of the factors that should be relevant in...
by Ed Hinerman | Aug 24, 2019 | life insurance, return of premium UL, term insurance, universal life
“Change is the only constant in life” according to Heraclitus. Never met the guy but he definitely hit the nail on the head. And then Robert Burns doubled down on the thought with “The best-laid plans of mice and men often go awry”. Term or...
by Ed Hinerman | Aug 22, 2019 | income replacement, insurable interest, life insurance
WHERE WAS THE LIFE INSURANCE? I had this nagging feeling even before I understood what a great value life insurance protection is, and well before I started this forum to let everyone know the truth about life insurance. I would read or see in the news that a family...
by Ed Hinerman | Aug 13, 2019 | customer service, Independent agent, insurance, life insurance
If you look that up on Google, on the first page, all of the offerings are about life insurance companies (top 10 companies). There is one that talks about 13 agents who wrote monster life insurance policies. But, let’s consider what you would want if you...
by Ed Hinerman | May 23, 2019 | Drug Treatment Life Insurance, life insurance
If you’re young and healthy, your term life insurance broker may not have to work too hard to get the life insurance you need approved and put in force. If you’ve followed this forum at all or visited my websites, well, you know that’s a scenario...
by Ed Hinerman | Apr 24, 2019 | budget, Dave Ramsey, life insurance
My New Year’s resolution is to always tell the truth no matter whose buttons it pushes. I’ve been bullied into backing off of a few blog posts in the past but life’s too short and life insurance and your budget are too important. Feathers will be...
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 17, 2019 | decline, life insurance
There is nothing quite like being declined for life insurance or even being highly rated when you expected smooth sailing to great rates. Since I make a living turning declined life insurance applications into approved life insurance policies, I can tell you that the...
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 | Apr 8, 2019 | accidental death, Civilian War Zone Coverage, life insurance
I have a lot of civilian contractor clients working in the Middle East and African war zones. One just renewed his life insurance coverage another year and ran into an all too frequent problem. Working in a location devoid of printers or scanners, or in his case, ink,...
by Ed Hinerman | Apr 3, 2019 | life insurance, prostate cancer, prostate cancer watchful waiting
If you have recently been diagnosed with prostate cancer and/or chronic elevated PSA, you may be concerned about the ability to get life insurance. While elevated PSA’s don’t strike quite the fear they did a few years ago with life insurance underwriters,...
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...
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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