Ed Hinerman on Life insuranceEd Hinerman on Life insuranceEverything you need to know about life insurance 
Articles
If Today Was The Day!
2009-09-23 18:52:00 Ok, so it’s a “what if”, but there’s a lot of folks out there who won’t see the end of the day. Nothing shocking about that. A lot of those deaths will be expected and a lot of them, well, I guess there will be something shocking about them. So, if you woke up this morning ...Post from: Ed Hinerman On Life InsuranceIf Today Was The Day!
When Your Own Insurance Company Thinks You?re Too Fat!
2009-09-22 23:48:00 I had a client just recently who works for State Farm as a claims adjuster and was declined for life insurance by to them due to his obesity. He’s 6′1, 415 pounds. I shouldn’t get down on State Farm over this since by most life insurance company underwriting guidelines he has stretched well past the breaking ...Post from: Ed Hinerman On Life Insurance When Your Own Insurance Company Thinks You’re Too Fat!
Who Would Have Ever Guessed Your Liver And Your Butt Were Linked Medically?
2009-09-22 18:57:00 An extremely common cause for the derailment of a life insurance application is an elevated liver function test (LFT) on the life insurance labs. This can result in an unexpected (and unwanted) butt kicking when you had no idea that there was anything going on. To make matters worse, that butt kicking may not have ...Post from: Ed Hinerman On Life InsuranceWho Would Have Ever Guessed Your Liver And Your Butt Were Linked Medically?
When Life Insurance Just Doesn?t Make Sense Anymore!
2009-09-21 23:49:00 “In the beginning there came responsibilities and with that came the need for life insurance.” I get asked all the time when a person is old enough that they should seriously consider life insurance as part of their financial plan and the answer is clear, when you have responsibilities that would fall on someone else ...Post from: Ed Hinerman On Life Insurance When Life Insurance Just Doesn’t Make Sense Anymore!
Compliance And Control Wins The Day With Type 1 Diabetes!
2009-09-21 16:56:00 Back in mid July I started working on a life insurance case for a young man with type 1 diabetes. He had already discovered how easy it is to find a company to decline him, but the picture he painted was not one that led to a logical decline. He had the same strikes against him ...Post from: Ed Hinerman On Life InsuranceCompliance And Control Wins The Day With Type 1 Diabetes !
What Are You Trying To Say?
2009-09-14 21:19:00 I am currently working with a client who, when we got his labs back, was staring at an A1c of 10.9 and a microalbumin of 6.0. This, by the way is an instant decline since he was obviously has undiagnosed type 2 diabetes. So what exactly does an A1c mean? Just how out of whack does ...Post from: Ed Hinerman On Life InsuranceWhat Are You Trying To Say?
What Are The Chances?
2009-09-11 18:33:00 If only we knew! If only we knew when our health was going to change from good to bad we could buy life insurance at the optimal time. If only we knew when we were going to die we could pay out as little as possible on life insurance with the maximum return to our ...Post from: Ed Hinerman On Life InsuranceWhat Are The Chances ?
Sometimes Bait And Switch Should Be Obvious!
2009-09-11 00:06:00 I called a client of mine the other day because not too long after I had done an annual review of his term life insurance coverage I received a notice that he had applied with another company and was considering replacing the policy he had through me. Now I really don’t like losing clients and frankly ...Post from: Ed Hinerman On Life InsuranceSometimes Bait And Switch Should Be Obvious !
Even Politicians Think It?s Wrong!!
2009-09-09 16:09:00 I just came across a Huffington Post article written by someone running for office who just discovered that life settlements didn’t go away in the 1980’s. She was mortified to learn that their city retirement investment pool included what she called “death bonds”. She would probably be even more mortified to know that life settlements ...Post from: Ed Hinerman On Life InsuranceEven Politicians Think It’s Wrong !! More About: New York Times
This Really Ought To Be Against The Law!
2009-09-09 15:52:00 I can rant and rave all day long about the perverse way AARP treats its’ members with their insurance programs, and I do, but that’s just my professional opinion. I recently received a personal opinion from a person whose mother is an owner of one of the AARP/New York Life insurance policies. In his words, “I ...Post from: Ed Hinerman On Life InsuranceThis Really Ought To Be Against The Law!
Get On Board! Know About Your Health!
2008-04-13 00:00:00 I have often written about the surprises that come with life insurance exam results, from the fairly benign slight elevations in cholesterol to the alarming large elevations in PSA results. The surprise should really come as no surprise because the person who gets annual physicals is today, more the exception than the rule. We all have ... More About: Health , Board
Another Brush With The Ultra Fast CT Scan!
2008-04-10 00:00:00 In a post some months ago I was sharing some of my new found knowledge about ultra fast CT scans and their viability and dependability in detecting clogged arteries in the heart. Just to refresh a bit, the ultra fast CT scan hangs it’s hat on the ability to detect calcification in the veins and ... More About: Ultra , Brush , Fast , Scan
What Matters More, Commission Or A Customer With Insurance?
2008-04-09 00:00:00 I?ve mentioned before that there is a problem in the life insurance business. Pure and simple, it?s greed. Agents are so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the job and lead them in the right direction. This ... More About: Insurance , Customer , Commission , Matters
News Flash! Smoking Hurts Your Life Insurance Rates!
2008-04-08 00:00:00 People act shocked and amazed when they find out they don?t get those life insurance rates advertised everywhere. I think somewhere inside they knew it would happen because those are non smoking rates and they smoke. And all that flashed fine print on the insurance ads can hardly be seen through the smoke. Surely ... More About: News , Life , Flash , Insurance , Smoking
Where?s The Beef??
2008-04-08 00:00:00 My vote for the biggest rub in life insurance underwriting is weight. Easily the most disgruntled life insurance client is when they are told that their insurance is going to cost more because they guessed their weight wrong, or they weren?t really 6?2, but 6?1 1/2 (which examiners round down, not up). Insurance companies have build ... More About: Beef
Trust Me! I?m A Doctor!
2008-04-04 00:00:00 How can you charge so much money for the education it takes to become a doctor and never teach them about the impact of poorly kept medical records? There is a huge problem in the integrity of the information that is put into medical records. It runs from casually putting irrelevant information in the records ... More About: Trust , Doctor
Mood Disorders And The Road To Affordable Life Insurance!
2008-04-04 00:00:00 40 years ago it was a rare thing to hear of someone who was on medication for depression. Of course back then people really didn?t talk about ?those kind? of problems very openly. Treatment options were generally restricted to visiting a psychologist, therapist, or psychiatrist. Now conditions such as depression, bipolar disorder and anxiety are talked ... More About: Life , Insurance , Life Insurance , Road , Disorders
Life Insurance And Alcohol Or Drug Abuse!
2008-04-03 00:00:00 If you want to get a life insurance underwriter?s attention, talk about your history of alcohol or drug abuse. Tell them about your DUI or history of DUI?s. A good independent agent is going to ask about any history of alcohol abuse, treatment for alcohol or drug abuse and any dui?s you may have had. ... More About: Life , Abuse , Insurance , Alcohol , Life Insurance
If You Only Took Seriously What You Know To Be True!
2008-04-02 00:00:00 Last year it was all the students and teachers killed on the Virginia Tech campus. Before that, Columbine High in Denver. What about 9/11? Things like that are just so hard to fathom. Who among us hasn?t received an email or a phone call telling us how a common friend and in some cases, whole families, ... More About: True
Another Bipolar Success Story!
2008-03-30 00:00:00 You think I get excited about this stuff. You should talk to the people who have been battling the bipolar/life insurance battle for years and getting their rears kicked by insurance companies. They keep getting told that they are bipolar, therefore they are uninsurable. That may be true in some cases, but we’re finding that ... More About: Story , Success , Success Story , Bipolar
Underwriting Life Insurance Is Simple….Sort Of!
2008-03-28 00:00:00 Oh, if only it were as simple as some people think. Determining mortality assumptions for the purposes of life insurance rates is, well, really, really complicated stuff. I was kicking around Google and came across an article with enough information to choke a horse on why us people die. Fortunately life insurance underwriters don’t have to ... More About: Life , Insurance , Life Insurance , Simple , Sort
Cancer And The Power Of Prayer!
2008-03-27 00:00:00 Hard to believe it’s been 15 months since my dad was diagnosed with a stage 3, grade 4 bladder cancer. When it breached the wall of his bladder and dispersed to other areas of his body, well, the medical prognosis just wasn’t that good. When, at age 85, even though he is a physically active and ... More About: Power , Cancer , Prayer
Does A Life Insurance Decline Put You Out Of The Game?
2008-03-27 00:00:00 Probably one of the most common misconceptions about life insurance and the application process has to do with how a decline from one company will impact another application. Clients often worry about the fact that virtually all life insurance applications ask whether you have been rated or declined for insurance before. It helps to understand that ... More About: Life , Insurance , Game , The Game , Life Insurance
Calling All Cigar Smokers!
2008-03-26 00:00:00 For all of you that have applied for life insurance and smoke cigars, and didn’t use the right company and agent, you’ve felt the sting of smoker rates. In general, cigarette smokers will spend 2-3 times what a non smoker will spend on life insurance given everything else being equal. I’ll try not to get on ... More About: Calling , Smokers
Tough Times Are Exactly Why Life Insurance Should Be Budgeted!
2008-03-26 00:00:00 Life insurance shouldn’t be a luxury. Something that you can buy when times are good and can be dropped when things get tight. The need for life insurance, if anything, is more essential during bad economic times. Not that there is a good time to leave a family without income that is important to maintaining the ... More About: Life , Insurance , Life Insurance , Times , Tough
Group Life Insurance. Don?t Stake Your Life On It!
2008-03-26 00:00:00 I?ve talked to so many people that assume they are all set because their job offers a cheap group life insurance plan. I?ll be the first to say that if it?s inexpensive I think you ought to take advantage of it. What is a concern to me and should be to you, is putting all ... More About: Life , Insurance , Life Insurance , Group
Wow! And You Think Your Doctor Has His Head Up His Rear!
2008-03-23 00:00:00 Medical mistakes kill and disfigure close to 100,000 people in this country every year. That’s why, no surprise, life insurance underwriters will almost always postpone approval on a policy until after any scheduled procedure. I remember finding it amusing when I had a broken leg operated on that they actually marked the leg prior to surgery ... More About: Head , Doctor , Rear
Life Insurance Success Continues With Bipolar Disorder!
2008-03-23 00:00:00 We have talked a lot about and frankly I am excited about the results we are getting for clients with bipolar disorder with their applications for life insurance. Where the need seems to be the greatest is among professionals and business people who need substantial amounts of life insurance and, until we were able to ... More About: Life , Insurance , Success , Life Insurance , Bipolar
Obesity And Viagra, A Team Effort!!
2008-03-23 00:00:00 No one questions, at least with any sanity, that there is an epidemic of obesity in the world. And from obesity comes a myriad of other health issues that can ruin, if not end, a person’s life. So, I had this thought. Since it appears that either television networks are making billions off of Viagra commercials, ... More About: Obesity , Team
Does Your Life Insurance Cover You At The Beijing Olympics?
More articles from this author:2008-03-20 00:00:00 If you are planning a trip to the Olympics this summer, it’s time for a life insurance checkup to make sure you are covered for foreign travel, and if you are considering increasing coverage before you go, you need to apply now. Most life insurance you have in force will cover foreign travel as long as ... More About: Life , Insurance , Beijing , Beijing Olympics 1, 2, 3, 4, 5, 6, 7 |
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