by Ed Hinerman | Nov 18, 2020 | ADHD, Anxiety, approval, life insurance, life insurance approval
I first wrote this post five years ago in reaction to a client who had put their faith in USAA. They were a veteran and, after all, USAA makes much of being America’s patriotic insurance company. Their experience with USAA was nothing short of insulting, not...
by Ed Hinerman | Jul 9, 2020 | approval, bait and switch, family history, life insurance, life insurance approval
When I wrote this in 2014 I was a little emotional about it. You would think I would calm down after 6 years, but I am updating this because, well, I’m mad. How Bait And Switch Happens Get the picture? Something is being offered that is not going to turn out...
by Ed Hinerman | Jan 4, 2018 | approval, business life insurance, CEO life insurance, Hep C Cure, HIV business life insurance, HIV life insurance, indexed universal life, insurance, life insurance
2017 was a fantastic year for progress in life insurance underwriting. Business boomed for those companies bold enough to acknowledge and embrace major medical breakthroughs and the life insurance agents that represented those companies could finally announce fair...
by Ed Hinerman | Aug 8, 2017 | approval, CEO life insurance, compliance, Conversion to a permanent product, guaranteed level premium, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
Now that’s what I’ve been talking about for years. For every effort and struggle I’ve gone through on behalf of fair life insurance treatment for HIV+ clients, you, the clients, have been the people that have suffered for so long. Unable to provide...
by Ed Hinerman | Aug 3, 2017 | approval, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
What a slow, slow dance this has been trying to find a company, wait for a company, invent a company…that would take the HIV+ life insurance market seriously. At last count we have been through six big name companies that have sworn they were in the HIV+ life...
by Ed Hinerman | Feb 20, 2017 | approval, Hep C Cure, hepatitis, insurance, life insurance, life insurance approval
Before all of you who have been cured by Harvoni jump on the phone expecting the life insurance results in the title of this blog post, let me throw a couple of * * up. Wait a minute. That looks like I said something bad. Let’s talk caveats to that best class...
by Ed Hinerman | Feb 16, 2017 | approval, clinical underwriting, hepatitis, impaired risk life insurance, insurance, life insurance
I don’t know what more life insurance companies could want than a level playing field and a chance to compete for their fair share of the business, but no joke, there are some that trip and fall on a level playing field. I just worked on a case that, while not...
by Ed Hinerman | Feb 14, 2017 | approval, CEO life insurance, impaired risk life insurance, insurance, life insurance
A life insurance policy can be a static document if 1. You buy it at an age where you’re sure the term length will outlast your needs, 2. You get the very best rate class and 3. There are no surprises in life after you take out the policy. If, for some reason,...
by Ed Hinerman | Oct 21, 2016 | application process, approval, decline, insurance, life insurance, life insurance approval
Have you ever been declined for life insurance or been treated unfairly in the underwriting process. I’m not talking about being declined with stage 3 colon cancer or not getting the best rate class because you missed the height and weight guideline for that...
by Ed Hinerman | Oct 19, 2016 | approval, business life insurance, insurance, life insurance, life insurance approval, multiple sclerosis
I have a client with Multiple Sclerosis that we first got life insurance for a few years ago and I encouraged her to let me shop it again this year. I felt like, given her continued great control and mild nature of the MS that we could do better than the original mid...
by Ed Hinerman | Oct 19, 2016 | application process, approval, cigar smokers, clinical underwriting, height and weight, insurance, life insurance, mood disorder life insurance, prostate cancer, Prudential
I’ve mentioned probably more often than I’ve needed to that I shop even some of the simplest cases, probably every case that isn’t a slam dunk, no health issue, preferred plus. This makes sense for me and my clients because my clients will know ahead...
by Ed Hinerman | Oct 13, 2016 | approval, breast cancer, cancer, insurance, life insurance, life insurance approval, prostate cancer
It’s no secret that with most types of cancer life insurance can be something of a hassle, if not impossible, to get even when a large amount of time has passed. When I say most things are sort of tilted in favor of that statement just because there are so many...
by Ed Hinerman | Jul 31, 2016 | appropriate life insurance recommendation, approval, clinical underwriting, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Over the years I’ve talked about the 1% of life insurance companies that actually address both issues that matter the most to clients, approval and price. Being the grandiose kind of guy I am I was thinking about this in the context of a universe of companies,...
by Ed Hinerman | Jul 26, 2016 | angioplasty, approval, attending physician statement, bypass surgery, clinical underwriting, coronary artery disease (CAD), family history, heart attack, heart disease, insurance, life insurance
Coming off a post just a few days ago where I beat the compliance drum into a lather because that is what life insurance underwriters want to see, I turn around and shop a case where all of the underwriters fly in the very face of what they said and what I repeated. I...
by Ed Hinerman | Apr 26, 2016 | application process, approval, bipolar disorder, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
Those of you who have read this journey with me know that it has been a decidedly unfriendly trip since, almost two years ago now, the first life insurance companies said they were ready to entertain the underwriting of traditional life insurance for well controlled...
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