by Ed Hinerman | Jun 15, 2009 | insurance, life insurance, return of premium term insurance, women
The carefree life of the young and single! Been there and done that, and I don’t believe I was the odd person out when I failed to plan for the future. My assumption was that if things changed I would deal with it as it came up. That included any thoughts about...
by Ed Hinerman | Jun 4, 2009 | cholesterol, insurance, life insurance
If I had to choose one life insurance underwriting guideline that causes more consternation than any other it would be the subject of cholesterol. I still get all tied in knots over the debate concerning cholesterol that I had with ING Reliastar In December and...
by Ed Hinerman | Jun 2, 2009 | insurance, life insurance, life settlements
I’ve never minced words about what a horrible idea life settlements are. A life settlement is when you sell the ownership of a life insurance policy on yourself for some amount of money, and they are then the owner and beneficiary when you die. Personally my...
by Ed Hinerman | May 18, 2009 | asthma, blood pressure, diabetes, high blood pressure, hypertension, insurance, life insurance, mortality, mortality risk, obesity, stroke, Type 2 diabetes
Guilty as charged. I am one of those recovering saltaholics that grabs the salt shaker and tops off a meal before I’ve even taken a bite to see if it needs it. I love salt and although I am getting better about at least giving something a taste first, the truth...
by Ed Hinerman | May 13, 2009 | cancer, death benefit, heart attack, insurance, life insurance, mortality, mortality risk, prayer
If you only had a crystal ball, right? If you knew when you were going to die you could put off buying life insurance right up to the last moment, or if you knew you would outlive the need for life insurance you could just not buy at all. Well, unless you are...
by Ed Hinerman | May 13, 2009 | family history, insurance, life insurance, mortality, mortality risk, smoking
If anyone out there is suffering from the illusion that your medical records are accurate, let me clue you in. The chance that your records contain substantive errors is about 75%. The chance that your records are error free is within the margin of error for 0%....
by Ed Hinerman | Apr 29, 2009 | cancer, cholesterol, foreign travel, insurance, life insurance, mortality, mortality risk, prostate cancer
When I got my briefs in a bunch earlier this year in a little spat with ING Reliastar, on the surface it would seem that we were arguing semantics. Just underneath the surface is a gray area about half the size of the universe where life insurance companies seem to...
by Ed Hinerman | Apr 27, 2009 | beneficiary, conversion, estate taxes, foreign travel, insurance, life insurance, mortality, mortality risk, private pilots, scuba diving, suicide clause
I did a series of posts last year on life insurance policies and have referred back to those posts on several occasions when explaining some specific clauses and options such as the suicide clause and incontestability clause and the conversion option. Now I would like...
by Ed Hinerman | Apr 7, 2009 | bipolar, bipolar disorder, insurance, life insurance, mortality, mortality risk
If it wasn’t such a great success story I would probably just quit talking about it, but we have already been able to help more people with bipolar disorder in the first quarter of this year than we did all last year. The word is getting out. A client who...
by Ed Hinerman | Mar 30, 2009 | asthma, bipolar, bipolar disorder, blood pressure, cancer, decline, diabetes, high blood pressure, Independent agent, insurance, life insurance, mortality, mortality risk, prostate cancer, Type 2 diabetes
It’s just a bad feeling when a life insurance company declines to offer you coverage. They don’t want to accept the mortality risk!! Do they think you’re dying? Is there something your doctor isn’t telling you? Will you ever be able to get life...
by Ed Hinerman | Mar 23, 2009 | cancer, insurance, life insurance, Lincoln National, mortality, mortality risk, prostate cancer
With life insurance companies there has always been something of a line in the sand when underwriting prostate cancer history. That line has hung on the grade of the cancer as determined by the Gleason score. I’ve often described the Gleason score grading system...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Feb 17, 2009 | Independent agent, insurance, life insurance, mortality, mortality risk, smoking
For those that don’t smoke there is a virtual log jam of companies scrapping it out for those who qualify for the best rate classes. Not so if smoking is part of your portfolio. For those who smoke it is imperative that you use an agent that has access to all of...
by Ed Hinerman | Feb 15, 2009 | insurance, life insurance, mortality, mortality risk, prayer, term insurance
I’m always talking about others and their trials and tribulations in quest of the best life insurance rates they can find. For a change of pace I thought I would take you along on my own life insurance application adventure. I have two term insurance policies...
by Ed Hinerman | Feb 4, 2009 | bipolar, bipolar disorder, diabetes, insurance, life insurance, mortality, mortality risk
Actually rather than the best change, I think the word clarification is more precise. Sometimes it truly isn’t who you know, but what you know about what underwriters need to see. Case in point is bipolar disorder. Two years ago I didn’t have a clue about...
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