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 | Sep 30, 2013 | application process, approval, business life insurance, CEO life insurance, insurance, life insurance, over 50 life insurance, stroke, uninsurable
We are a product of our parents and grandparents and I know my Dad was one of those guys who’s goal was to always get it right the first time. Having grown up in that shadow I know that one of my pet peeves is having to do something twice. I like to get it right...
by Ed Hinerman | May 21, 2013 | Anxiety, decline, Depression, insurance, life insurance, over 50 life insurance, physicians life insurance
I’ve gone and fooled myself again. I’ve been so adamant about the pathetic underwriting from 99.5% of life insurance companies that I sometimes forget that in that one half of once percent of companies that do great things, there are still humans...
by Ed Hinerman | Mar 26, 2013 | bait and switch, conversion, Conversion to a permanent product, guarantee, guaranteed level premium, insurance, life insurance, lifetime guaranteed UL, loyal customers, over 50 life insurance, term insurance, universal life
We left off the other day with a description of Protective Life’s universal life conversion product, a product that simply defies the imagination. Since they introduced….no wait. They forgot to introduce the product. Since they gave their loyal term...
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 | Feb 25, 2013 | death benefit, guarantee, insurance, life insurance, life insurance approval, over 50 life insurance
Now that the Dow is back up where people are feeling optimistic, or at least relieved to have regained some worth in their retirement accounts, it’s time to take a little preventive medicine to avoid that upset stomach the next time the bottom falls out. While I...
by Ed Hinerman | Jan 22, 2013 | application process, decline, insurance, life insurance, life insurance approval, over 50 life insurance
For the most part medical records are what they, unreadable scribblings interspersed with occasional labs that are fairly understandable and other kinds of test results that might make sense to a doctor, but are of no use to you or me. There is an area of life...
by Ed Hinerman | Jan 13, 2013 | AARP, beneficiary, compliance, contestability, insurance, life insurance, life insurance claim, life insurance claim process, New York Life, over 50 life insurance
I’ve decided, for the sake of us elderly folks and all of us who are related to elderly folks and anyone who gives a damn about treating people right, to get off the fence and say what I really think about AARP and their New York Life insurance plan. For those...
by Ed Hinerman | Dec 29, 2012 | customer service, guarantee, guaranteed level premium, honesty, insurance, lapse, life insurance, over 50 life insurance, universal life
It’s one thing when a lack of customer service results in you not getting your empty coffee cup refreshed, but when a life insurance agent goes south on service and the life insurance company they represent joins them on the beach it can end in disaster. When a...
by Ed Hinerman | Dec 1, 2012 | estate taxes, final expense life insurance, insurance, life insurance, no lapse guarantee, over 50 life insurance, rate increase, universal life
I get calls every once in a while from people whose spouse or parent is literally terminally ill and many times imminently terminal. I think they know the answer already but I understand that they see what’s coming and they know it’s going to be a financial hit and,...
by Ed Hinerman | Nov 27, 2012 | AARP, Active Duty Military Life Insurance, insurance, life insurance, Met Life, New York Life, over 50 life insurance
I am firmly on record as believing with all my heart that MetLife may own the rights to use Snoopy, but morally they don’t deserve it. I first lost my patience with their Snoopy abuse when I found the bottom line on their patriotic offer to provide life...
by Ed Hinerman | Jun 11, 2012 | conversion, guarantee, insurance, life insurance, over 50 life insurance, term insurance, universal life, West Coast Life
I have tried to reach out to all of my clients that have been consumed by Protective Life over the years. Empire General, West Coast Life, Federal Kemper, Zurich Kemper, Chase and on and on to let them know that when Protective Life got all of those term life...
by Ed Hinerman | Mar 30, 2012 | Attention Deficit Disorder, bipolar disorder, cancer, coronary artery disease (CAD), cpap, impaired risk life insurance, insurance, life insurance, melanoma, over 50 life insurance
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval...
by Ed Hinerman | Mar 27, 2012 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, over 50 life insurance
Let me preface this by saying that I take Prozac for situational depression. The situation doesn’t exist anymore but the feelings were so bad that I continue to take the Prozac. I don’t want to quit and find out that the horrible way I felt was just...
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...
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