by Ed Hinerman | Dec 19, 2019 | guaranteed issue life insurance, life insurance, life insurance approval
The definition couldn’t be much simpler. Guaranteed issue is a life insurance policy that the company guarantees it will issue and put in force no matter what health conditions you have. Some guaranteed issue life insurance companies have age limitations. Most...
by Ed Hinerman | Aug 24, 2013 | cancer, COPD, final expense life insurance, guaranteed issue life insurance, insurance, life insurance, mortality risk
For a lot of clients that fall outside of the traditional life insurance companies approval guidelines the only option if Guaranteed Issue Life Insurance. I used to have a carrier that I could go to for quotes on guaranteed issue but after about 3 years it became...
by Ed Hinerman | May 15, 2012 | children's life insurance, insurance, life insurance, private pilots, senior life insurance
I’ve talked about life insurance from one end of life to another, from insurance for children to senior life insurance. The one common denominator is that if someone doesn’t take any action to put life insurance in force there is absolutely no way their...
by Ed Hinerman | Feb 28, 2012 | Alcohol Treatment Life Insurance, decline, diabetes, Drug Treatment Life Insurance, insurance, life insurance, prostate cancer
I got an email from a life insurance agent today asking me if I could recommend a guaranteed issue life insurance company in Massachusetts. He indicated that he had run into several clients that were uninsurable and wanted to find the best company to write graded...
by Ed Hinerman | Nov 27, 2011 | AARP, guaranteed issue life insurance, Independent agent, insurance, life insurance, New York Life, no exam
For us more seasoned life insurance buyers there is an industry tendency to want to squeeze us all into the same companies and product type, senior life insurance or final expense life insurance. This would be OK 1. if over 60 life insurance needs really did change or...
by Ed Hinerman | Apr 7, 2010 | guaranteed issue life insurance, insurance, life insurance, no exam
It may not be advertised as much as “ED” medications, but there is no lack of attempts to get you to look at various life insurance offers that hang their hat on the fact that you don’t have to take an exam. “No exam” life insurance is...
by Ed Hinerman | Jul 1, 2008 | cancer, guaranteed issue life insurance, heart attack, heart disease, insurance, life insurance
To a guy this makes perfect sense. From my own experience I can tell you that most women, especially those married to guys that feel fine, don’t share that philosophy. Unlike us guys, they think doctors are serious about the importance of annual physicals and...
by Ed Hinerman | Jun 12, 2008 | guaranteed issue life insurance, insurance, life insurance
Probably one of the most misunderstood parts of life insurance is the incontestability clause and what it really means. The question from clients is most often framed something like, “How long does the policy have to be in force before it pays?” There are...
by Ed Hinerman | Oct 30, 2007 | business life insurance, children's life insurance, guaranteed issue life insurance, insurance, life insurance, term insurance, universal life, whole life
I had an email from a potential client today that said “I am looking for reasonably priced life insurance where there are no health questions and/or physical exam. If your group can fullfill these requirements than you can contact me”. There are a lot of...
by Ed Hinerman | Sep 7, 2007 | cancer, epilepsy, guaranteed issue life insurance, insurance, private pilots
We’ve all heard some version of the story. A life insurance policy with an exclusion for anyone that dies if they are hit by a bus while wearing a green shirt on a Wednesday during August. Actually if the price was good, I would take that one. Don’t...
by Ed Hinerman | Jun 1, 2007 | Alcohol Treatment Life Insurance, breast cancer, cancer, guaranteed issue life insurance, heart attack, Independent agent, insurance, life insurance, Type 2 diabetes
I think I’ve mentioned before that there is a real propensity in the life insurance business for agents to be 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....
by Ed Hinerman | May 3, 2007 | breast cancer, business life insurance, buy/sell life insurance, cancer, children's life insurance, guaranteed issue life insurance, heart attack, insurance, Juvenile life insurance, life insurance, melanoma, Type 2 diabetes
How often do we hear it? A friend or family member has had a heart attack or been diagnosed with cancer at an age that is just, well….wrong! We expect health problems and death when someone gets into their 80’s. It’s not nearly so common in their...
by Ed Hinerman | Apr 8, 2007 | cancer, cholesterol, diabetes, guaranteed issue life insurance, heart attack, high blood pressure, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
One of the life insurance “urban legends” has to do with the large jump life insurance rates take when you turn 50, and again at 60, and well, let’s not even talk about 70. The truth is that while the cost per thousand of life insurance does in fact...
by Ed Hinerman | Apr 4, 2007 | guaranteed issue life insurance, insurance, insurance quotes, life insurance
I don’t know if New York state employees have an exceptionally hard time in getting help with retirement planning. I hope for the rest of the country sake that their situation is an exception rather than a rule. Recently a retiring state employee wanted life...
by Ed Hinerman | Mar 28, 2007 | children's life insurance, guaranteed issue life insurance, Independent agent, insurance, insurance quotes, life insurance, private pilots, term insurance, universal life, whole life
Advocacy is defined in the dictionary as co-supporting or promoting the interests of another. There are several advocacy groups that promote life insurance to their members or to the group of people that they would suggest they are advocates on behalf of. I have a...
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