by Ed Hinerman | Dec 31, 2010 | life insurance
Winter kill, a term used to describe those wild animals that don’t survive an overly harsh winter, or are old and/or weak from disease and succumb to the normal hardship of winter, holds a grip on my life also. About this time of the year, every year, I really...
by Ed Hinerman | Dec 6, 2010 | death benefit, insurance, life insurance
We’ve all heard some version of the story. A widow that can’t collect on her late husband’s life insurance because of some clause or some rule or something that someone did wrong…. Exclusions are a common question and a very real concern. Some time...
by Ed Hinerman | Sep 2, 2010 | insurance, life insurance, suicide clause
I was reading a summary of a case that involved the denial of payment on an accidental death claim where the car accident may have been contributed to, or caused by the insured’s blood alcohol level of .17. Just to be clear, this involved an accidental death and...
by Ed Hinerman | Mar 10, 2010 | insurance, life insurance, suicide clause
Like cancer and car accidents, there are probably very few of us who haven’t been touched by the loss of a relative or someone we know by suicide. I try to address this sensitive issue a couple of times a year just because I believe a lot of life insurance...
by Ed Hinerman | Feb 15, 2010 | insurance, life insurance, suicide clause
Winter kill, a term used to describe those wild animals that don’t survive an over harsh winter, or are old and/or weak from disease and succumb to the normal hardship of winter, holds a grip on my life also. About this time of the year, every year, I really...
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 | 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 | Mar 4, 2009 | insurance, life insurance, suicide clause
I’ve often been told that life insurance has an out with people with severe depression or severe bipolar disorder because they’ve got that suicide clause thing. I’ve written about this before and I think life insurance companies would probably prefer...
by Ed Hinerman | Aug 21, 2008 | insurance, life insurance, suicide clause
If asked, most people would say that life insurance doesn’t cover death due to suicide and they would certainly have logic on their side. After all, what sense does it make that someone can buy large amounts of life insurance for pennies on the death benefit...
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