by Ed Hinerman | Apr 14, 2019 | impaired risk life insurance, life insurance
Declined life insurance applications. It’s where most of my customers come from. Most of the time, these denials have come from the wrong life insurance agents pitching the wrong life insurance companies for the job. As a specialist in high risk and high limit...
by Ed Hinerman | Apr 10, 2019 | cancer, impaired risk life insurance, life insurance
I am currently working with a client who was declined by a few other companies and apparently told that with a recent history of breast cancer life insurance approvals just weren’t in the cards. This woman was, for some reason, told by the life insurance agent...
by Ed Hinerman | May 19, 2017 | business life insurance, impaired risk life insurance, insurance, life insurance, over 60 life insurance
The old saying “you get what your pay for” insinuates that often going the less expensive direction in a purchase can leave you, well, feeling like maybe the choice wasn’t an apples for apples choice. You’re left wishing you had spent a little...
by Ed Hinerman | May 16, 2017 | impaired risk life insurance, insurance, life insurance, life insurance approval
It’s an interesting conundrum that the same thing could contribute so much to my success, and my failure, depending on how patient any given potential client is. I don’t deny that I can be, not demanding, but insistent on my clients being involved in our...
by Ed Hinerman | Apr 24, 2017 | bipolar disorder, business life insurance, buy/sell life insurance, insurance, life insurance, life insurance approval
I’ve talked to and helped enough people over the last 16 years, PTIE, post traumatic insurance experience, to know that when people say they were treated unfairly when applying for life insurance they usually really were. The majority of unfair life insurance...
by Ed Hinerman | Mar 15, 2017 | gastric bypass, insurance, life insurance, life insurance approval
It’s been quite a while since I’ve updated Life insurance underwriting guidelines and prices for those who have had a gastric bypass surgery. I shopped the question over the last week so have up to date looks from a large number of life insurance companies...
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 25, 2016 | budget, insurance, insurance quotes, life insurance, life insurance approval, over 50 life insurance, shopping for the best life insurance
For the sake of this post let’s assume that from a life insurance perspective we would all live to about 90, well above the average mortality rate at least for Americans. And we’ll call that perfect! So life insurance should be free, right, if we all live...
by Ed Hinerman | Oct 28, 2015 | ADHD, Anxiety, approval, bipolar disorder, business life insurance, CEO life insurance, Depression, insurance, life insurance, life insurance approval, mortality risk, physicians life insurance
Life insurance companies are so burdened with their responsibility to clients to underwrite them fairly and offer the best price possible, and their responsibility to share holders to maximize profits by bringing in new business (competition) and cutting expenses...
by Ed Hinerman | Aug 5, 2015 | abnormal labs, approval, bait and switch, bipolar disorder, height and weight, impaired risk life insurance, Independent agent, insurance, lab results, life insurance, lifetime guaranteed UL, medical record acquisition
I just wanted to share a few examples of why it’s important to shop every impaired risk life insurance application for sure and not a bad idea to shop all cases. I’ve beat on this over the years because so many life insurance agents out there are willing...
by Ed Hinerman | May 14, 2015 | approval, decline, ejection fraction, honesty, insurance, insurance quotes, lab results, life insurance, life insurance approval, PSA
With my feet firmly planted in impaired risk life insurance, the you and me’s who can’t lay claim to perfect health, it is rare when I send someone life insurance quotes at preferred plus, preferred elite, preferred best or whatever clever name insurance...
by Ed Hinerman | Mar 26, 2015 | application process, compliance, diabetes, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance underwriting
Since the ING Reliastar cholesterol ratio bell curve debacle 3 years ago I’ve been given to musing about what really goes on behind the closed doors or a life insurance underwriter’s office. Are they in there pouring through records and giving credits and...
by Ed Hinerman | Jan 20, 2015 | business life insurance, buy/sell life insurance, customer service, impaired risk life insurance, Independent agent, insurance, International Business insurance, life insurance, life insurance approval, private pilots
I, we, Hinerman Group, just completed our reunification move to Colorado. Every once in a while I make bad decisions (moving to NM where it rains), but I am more known for my brilliance (coming back to CO where it snows). With that move I am promising more of the same...
by Ed Hinerman | Nov 10, 2014 | application process, approval, CEO life insurance, compliance, decline, doctor's recommendation, insurance quotes, life insurance, life insurance approval, life insurance underwriting
Things pop up day to day in my business that remind me that I haven’t written about some particular life insurance pitfall in a while. Just as much as any life insurance impaired risk you might present, the inaccurate BS information that doctors put in or allow...
by Ed Hinerman | Oct 27, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, executives, impaired risk life insurance, insurable interest, insurance, International Business insurance, key man insurance, life insurance
I get that business people get tired of hearing about all of the kinds of insurance they should be carrying because I am one. I carry more than what’s required by law in errors and omissions insurance just because of the litigious nature of our country. I err on...
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