by Ed Hinerman | Jan 9, 2010 | insurance, life insurance
Colorado is the leanest state in the country. Of all the states we have the lowest average BMI, attributable to the abundance of truly awesome outdoor activities available. But, from a life insurance standpoint the companies have figured out a way to take the wind out...
by Ed Hinerman | Dec 30, 2009 | insurance, life insurance, obesity, Sleep apnea
I was working with a client on quotes the other day and he was telling me about a friend who had decided not to even pursue life insurance because he was convinced that he was probably not insurable. You know it’s kind of like that old saying, “The only...
by Ed Hinerman | Dec 11, 2009 | bipolar disorder, insurance, life insurance
I have been working with a physician who has bipolar disorder and we were declined on our first life insurance application through Transamerica. Trans has pretended to be more aggressive or creative or whatever, on their trials than they actually are on formal...
by Ed Hinerman | Nov 16, 2009 | blood pressure, high blood pressure, insurance, life insurance
In Job 12:11 it says “Does not the ear test words, as the palate tastes its food?” When a life insurance agent gives you a quote that you know sounds a little too good, do you question it or set yourself up for disappointment by choosing to believe...
by Ed Hinerman | Nov 11, 2009 | bipolar, bipolar disorder, Independent agent, insurance, life insurance
This is a theme I have pounded on for some time. There are the obvious cases where, for instance, someone with bipolar disorder who goes to their Farmers insurance agent should not expect a good outcome. Wrong agent with the wrong company. In that case there is no...
by Ed Hinerman | Nov 10, 2009 | insurance, life insurance, Sleep apnea
Of course the reason snoring is a life insurance underwriting issue is because someone may put a pillow over your head and hold it there until the noise stops. Seriously though, if that snoring is driven by sleep apnea, depending on the company you may get a brief...
by Ed Hinerman | Nov 5, 2009 | insurance, life insurance, prostate cancer
Prostate cancer has been on of those life insurance health issues that we’ve been able to help a lot with over the years. Like so many other issues it can be an instant decline with a lot of companies and we can shop it and get better than standard offers....
by Ed Hinerman | Oct 30, 2009 | insurance, life insurance, obesity
There is a common misconception, especially among those who have pretty extreme weight issues, that life insurance simply isn’t available. With most, but not all, companies they would be right. Obesity carries with it a lot of mortality baggage that most...
by Ed Hinerman | Oct 9, 2009 | guarantee, insurance, life insurance, universal life
At a time when large financial institutions seem to be all about blatantly bilking their customers, as in Wells Fargo just announcing a 3% increase in already stupid high credit card rates, life insurance companies continue to act innocent in the face of evidence that...
by Ed Hinerman | Sep 24, 2009 | heart attack, insurance, life insurance
Abnormal ekg’s make up a significant percentage of of the reason for postpones and declines on life insurance applications. Often it’s news to the applicant and just as often it’s something that their doctor may have told them about a long time ago...
by Ed Hinerman | Sep 2, 2009 | insurance, life insurance, term insurance
2/3 of 2009 have slipped by and there is just no denying anymore that the industry trend for external guarantee life insurance policies such as term insurance and universal life with a no lapse guarantee has changed. Term insurance has been going down in price and...
by Ed Hinerman | Aug 24, 2009 | Independent agent, insurance, life insurance
Most business models are built around the premise of keeping your current client base and building on it. Given the premise it’s understandable that a business would be upset about losing a customer. In life insurance that client relationship is certainly true...
by Ed Hinerman | Jul 30, 2009 | insurance, life insurance, universal life, variable universal life, whole life
In preparing to help write an article about the catastrophic meltdown of traditional universal life insurance policies I was seeking some industry assistance in nailing down approximately what percentage of the total number of UL’s were in danger of imploding....
by Ed Hinerman | Jul 27, 2009 | blood pressure, hypertension, insurance, life insurance
There’s nothing that will raise your blood pressure quite like finding out that you are going to have to pay more for your life insurance because you are treated for high blood pressure. Even when it’s well controlled almost all companies feel they need to...
by Ed Hinerman | Jul 21, 2009 | insurance, life insurance, mortality risk
I have often talked about the need, when you have health issues or a health history, to do your homework and make sure you find an independent life insurance agent who understands your health challenge and also understands what companies to go to and what companies to...
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