by Ed Hinerman | Apr 12, 2021 | insurance, life insurance, over 50 life insurance
This was first written back in 2011 and, strangely, the older I get the more it makes sense. I thought I would dust it off and see if could have some rewritten value added for you. All the best. Nothing Else Is The Same At 60 As It Was 30! Why Would Life Insurance Be...
by Ed Hinerman | Oct 26, 2016 | blood pressure, build, cholesterol, diabetes, family history, insurance, life insurance, over 50 life insurance, over 60 life insurance, Type 2 diabetes
Ah, the joys of being somewhere post mid life and nearly as old as dirt. It seems that we get focused on the negatives like the aches and pains and trying to figure out if retirement is a gift or a joke, and we don’t take time to grab on to the big advantages...
by Ed Hinerman | Sep 21, 2016 | business life insurance, buy/sell life insurance, guaranteed issue life insurance, insurance, insurance quotes, life insurance, life insurance exam, over 50 life insurance
A query about life insurance yesterday from a 58 year old with no health history, no family history and no current treatment and a great build led to quotes at a preferred plus level. A return email today asked me to quote a worse rate class doubting that someone his...
by Ed Hinerman | Jan 7, 2015 | beneficiary, cash value, conversion, Conversion to a permanent product, guarantee, guaranteed level premium, indexed universal life, insurance, life insurance, life insurance claim, term insurance
Isn’t it true of everything in our lives if we’re over 50, change is happening and with life insurance the companies are making sure it is “Advantage Company” in their tennis match with customers. Having lost count of the number of life...
by Ed Hinerman | Dec 29, 2014 | application process, approval, coronary artery disease (CAD), decline, Independent agent, insurance, life insurance, life insurance approval, over 50 life insurance, Type 1 diabetes
There is absolutely nothing wrong with being approved for life insurance at a standard rate class or higher, unless you qualify for a better rate class through another company. There are a large number of companies that don’t even offer multiple rate classes....
by Ed Hinerman | Jul 22, 2014 | application process, approval, budget, children's life insurance, final expense life insurance, insurance, life insurance
None of your business, right? Life insurance is a personal choice and is generally between spouses, but let me just lay some thoughts out there so you can better understand why you understanding their life insurance status can be a big help to them. On average I would...
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 | Jun 6, 2013 | application process, approval, BMI, final expense life insurance, guaranteed issue life insurance, impaired risk life insurance, insurance, life insurance, life insurance approval, no exam
Allow me to blow right by all of the internet clutter of $12 a month for $500,000 of life insurance. There is no question that those are low rates even though they are enticing unknowing young clients with prices for 10 year term insurance, a completely inappropriate...
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 | 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 17, 2013 | epilepsy, insurance, insurance quotes, life insurance, life insurance approval, seizure disorder
I’ve spent significant time in my career in life insurance explaining to clients and potential clients the difference between what an underwriter says and what their doctor has told them. They are often two starkly different opinions and it creates confusion...
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 18, 2012 | AARP, customer service, insurance, life insurance, life insurance claim
I wish I had the time to write a blog just on AARP/New York Life and their awful over 50 life insruance products and service. Since helping a couple of beneficiaries collect claims that AARP had told them they weren’t going to pay it’s obvious a person...
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 | Apr 10, 2012 | cholesterol, insurance, insurance quotes, life insurance
It’s not like I’m some grumpy old guy that just thinks young men are stupid. There are a lot of refreshingly intelligent and down to earth young men out there who believe in stepping up to the plate, especially when it’s a plate of their own making....
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