by Ed Hinerman | May 19, 2017 | business life insurance, impaired risk life insurance, insurance, life insurance, over 60 life insurance
The old saying “you get what your pay for” insinuates that often going the less expensive direction in a purchase can leave you, well, feeling like maybe the choice wasn’t an apples for apples choice. You’re left wishing you had spent a little...
by Ed Hinerman | Sep 21, 2016 | business life insurance, buy/sell life insurance, guaranteed issue life insurance, insurance, insurance quotes, life insurance, life insurance exam, over 50 life insurance
A query about life insurance yesterday from a 58 year old with no health history, no family history and no current treatment and a great build led to quotes at a preferred plus level. A return email today asked me to quote a worse rate class doubting that someone his...
by Ed Hinerman | Jul 25, 2016 | budget, insurance, insurance quotes, life insurance, life insurance approval, over 50 life insurance, shopping for the best life insurance
For the sake of this post let’s assume that from a life insurance perspective we would all live to about 90, well above the average mortality rate at least for Americans. And we’ll call that perfect! So life insurance should be free, right, if we all live...
by Ed Hinerman | Dec 29, 2014 | application process, approval, coronary artery disease (CAD), decline, Independent agent, insurance, life insurance, life insurance approval, over 50 life insurance, Type 1 diabetes
There is absolutely nothing wrong with being approved for life insurance at a standard rate class or higher, unless you qualify for a better rate class through another company. There are a large number of companies that don’t even offer multiple rate classes....
by Ed Hinerman | Jul 22, 2014 | application process, approval, budget, children's life insurance, final expense life insurance, insurance, life insurance
None of your business, right? Life insurance is a personal choice and is generally between spouses, but let me just lay some thoughts out there so you can better understand why you understanding their life insurance status can be a big help to them. On average I would...
by Ed Hinerman | Feb 19, 2014 | financial adviser, grandparent life insurance, impaired risk life insurance, income replacement, insurance, life insurance, over 50 life insurance, term insurance
My name is Ed Hinerman and my wife and I are grandparents. In the whole scheme of things hardly noteworthy except for the fact that we are part of a growing number of grandparents who are raising our grandchild. The last census showed that just shy of 5 million...
by Ed Hinerman | Jun 6, 2013 | application process, approval, BMI, final expense life insurance, guaranteed issue life insurance, impaired risk life insurance, insurance, life insurance, life insurance approval, no exam
Allow me to blow right by all of the internet clutter of $12 a month for $500,000 of life insurance. There is no question that those are low rates even though they are enticing unknowing young clients with prices for 10 year term insurance, a completely inappropriate...
by Ed Hinerman | Mar 21, 2013 | conversion, guarantee, guaranteed level premium, life insurance, over 50 life insurance, Protective Life, term insurance, universal life, West Coast Life
Even though Protective and West Coast Life fired me years ago I still get their propaganda and that, along with an almost simultaneous run in with a Protective abusee has once again fired me up again to remind all of you out there who have Protective linked policies,...
by Ed Hinerman | Jan 17, 2013 | epilepsy, insurance, insurance quotes, life insurance, life insurance approval, seizure disorder
I’ve spent significant time in my career in life insurance explaining to clients and potential clients the difference between what an underwriter says and what their doctor has told them. They are often two starkly different opinions and it creates confusion...
by Ed Hinerman | Mar 22, 2012 | insurance, life insurance, over 50 life insurance, senior life insurance
I turned 59 the other day and boy am I glad I already have my life insurance in force. I’ve heard that life insurance over 60 really takes a huge jump. But wait, I heard the same thing about over 50 life insurance and that wasn’t exactly true. The absolute...
by Ed Hinerman | Nov 27, 2011 | AARP, guaranteed issue life insurance, Independent agent, insurance, life insurance, New York Life, no exam
For us more seasoned life insurance buyers there is an industry tendency to want to squeeze us all into the same companies and product type, senior life insurance or final expense life insurance. This would be OK 1. if over 60 life insurance needs really did change or...
by Ed Hinerman | Oct 1, 2011 | blood pressure, bypass surgery, cancer, insurance, life insurance
Allow me one more time to bemoan the good old days when US Financial Life Insurance was still roaming the earth. They doled out good news in life insurance underwriting in their short life span than any other company around. It was called clinical underwriting. Just...
by Ed Hinerman | Aug 24, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, term insurance
For many families in the economy of the past five years the question has changed from when retirement will come to how long a person can work. Along with that change, the question of what life insurance portfolio structure is most prudent for seniors has changed...
by Ed Hinerman | Aug 18, 2011 | insurance, life insurance, term insurance, whole life
I can hear the whole life insurance guys once again musing about what kind of a nut case would recommend term life insurance during crazy economic times. Well guys, I’m back!! For those over 50 and over 60 life insurance may be the only way to salvage the...
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