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So, What’s With The New Universal Life Scene?
Published on 2010-08-26 12:30:04
I had to change the top of my drum today. I’ve worn it out over the past two years beat it about all of the absolute crap (forgive me) that insurance companies are trying to pass off to consumers in the form of non guaranteed universal life and whole life products. Now several companies are [...]Post from: Ed Hinerman On Life InsuranceSo, What’s With The New Universal Life Scene?
All Is Not Lost If You Are Bipolar Looking For Life Insurance!
Published on 2010-08-25 16:39:12
It’s been an interesting 3 years working with bipolar clients and at times tripolar life insurance underwriters, but headway has been made and we are successful in filling our clients needs most of the time. The sad thing for me is that getting approvals without wasting everyone’s time and money has meant spelling out clearly [...]Post from: Ed Hinerman On Life InsuranceAll Is Not Lost If You Are Bipolar Looking For Life Insurance!
Does Your Budget Need Tweeking?
Published on 2010-08-24 12:09:28
I know over the past few years thanks in part to Dave Ramsey and also in part to a reality check in the economy, I’ve had to take a new look at my budget several times. The days of paying more than we need to really are over. The same thought process couldn’t be more [...]Post from: Ed Hinerman On Life InsuranceDoes Your Budget Need Tweeking?
Slim Chance Of Getting Affordable Life Insurance
Published on 2010-08-23 15:34:02
Obesity has always been a life insurance underwriting challenge. Companies are keenly aware that while weight may not kill you, it dramatically increases your risk of everything from heart disease to cancer. The explosion in type 2 diabetes worldwide can be directly linked to the epidemic of obesity that has swept so many countries, with [...]Post from: Ed Hinerman On Life InsuranceSlim Chance Of Getting Affordable Life Insurance
LFT’s, The Stepchild of Underwriting!
Published on 2010-08-21 11:04:21
Liver function tests have been the nemesis of life insurance underwriting for as long as I’ve been in the business and the source of a tremendous number of unfair ratings and declines on applications. Because of a long held leap of assumption that elevated liver functions are usually a result of excessive drinking, I actually [...]Post from: Ed Hinerman On Life InsuranceLFT’s, The Stepchild of Underwriting!
Skydivers And Life Insurance? No problem!
Published on 2010-08-20 17:09:19
While there are plenty of life insurance companies and agents out there that stick their fingers in their ears when a client starts talking about their weekend hobby. The truth is there is an affordable and prudent way to approach the subject of life insurance for those that enjoy the thrill of jumping out of [...]Post from: Ed Hinerman On Life InsuranceSkydivers And Life Insurance? No problem!
Declined For Life Insurance? Not A Bad Place To Start!
Published on 2010-08-19 09:50:33
I won’t pretend that being declined for insurance doesn’t carry a sting. A common thought that comes with the decline is, “Do they think I’m about to die, or what”? Some perspective might help and maybe a little insight into how life insurance companies decide what will drive approvals and declines. It’s important to know [...]Post from: Ed Hinerman On Life InsuranceDeclined For Life Insurance? Not A Bad Place To Start!
Is Term Insurance Still A Good Choice For Seniors?
Published on 2010-08-18 12:15:55
When a person gets into their 60′s, 70′s and above there is a real life insurance industry tendency to try to shove them into the final expense market, even at a time when people are working longer and have larger needs than most final expense policies offer. So let’s break this down and look at [...]Post from: Ed Hinerman On Life InsuranceIs Term Insurance Still A Good Choice For Seniors?
A Little Too Close To Home!
Published on 2010-08-10 17:26:38
I was on vacation with my wife and granddaughter recently, a “ROAD TRIP“. 3300 miles in 10 days from Colorado through Utah, Idaho, Oregon to Washington, back through Idaho to Montana, south through Yellowstone and back to Colorado. It was a great time. Lots to see and do and plenty of swimming holes along the [...]Post from: Ed Hinerman On Life InsuranceA Little Too Close To Home!
Non Compliance Doesn’t Impress Underwriters!
Published on 2010-08-06 13:55:02
Non compliance, not following doctor’s orders, is a choice we all come face to face with whenever we leave the doctor’s office. Whether it is a recommended followup or additional testing, prescribed medication that needs to be taken as prescribed to be effective, or followup appointments to see how you’re doing, insurance underwriters take your [...]Post from: Ed Hinerman On Life InsuranceNon Compliance Doesn’t Impress Underwriters!