by Ed Hinerman | Nov 6, 2015 | application process, approval, beneficiary, bipolar disorder, budget, cash value, contestability, contestability period, insurance, life insurance, life insurance replacement, replacement
As I was filling out an obnoxiously lengthy New York life insurance replacement form yesterday it occurred to me that replacement, the idea of getting rid of a current policy and replacing it with a new policy has kind of gotten one of those back alley bad raps. State...
by Ed Hinerman | Jul 13, 2015 | application process, contestability period, death benefit, insurance, life insurance, life insurance claim
You know, I understand how referring someone, even when your experience was just like it should be, can be awkward. First you’ve had a good experience with a life insurance agent, friendly, personable, efficient and professional. You got what you wanted and...
by Ed Hinerman | May 14, 2012 | contestability, death benefit, insurance, life insurance
There is probably no more misunderstood part of a life insurance policy than the contestability or incontestability period. This is the two year period beginning with the date the policy goes in force during which a company can review the underwriting and pull...
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