by Ed Hinerman | Jan 30, 2012 | breast cancer, cancer, insurance, life insurance, prostate cancer
I recklessly went out on a limb yesterday spreading a rumor that a major, well know A+ rated life insurance company was jumping on all of the cancer detection and treatment victories of the last several years and have changed their underwriting guidelines and...
by Ed Hinerman | Jan 29, 2012 | breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer
I hate jumping into a life insurance topic like this without all the facts but, heck, that’s why they call them rumors. Historically one of the toughest parts of underwriting has been, especially for cancer, the insistence of a one year waiting period post...
by Ed Hinerman | Dec 27, 2011 | insurance, life insurance, prostate cancer, PSA
Prostate cancer, we’ve all heard at one time or another, is something that virtually every man will have at some point in his life. While only one in five or so of us guys will ever be diagnosed with prostate cancer, the other four, according to theory and...
by Ed Hinerman | Dec 9, 2011 | A1c, diabetes, foreign nationals, Infinite banking, insurance, life insurance, prostate cancer, Sleep apnea
I’ve been writing long enough that I am bound to be a little redundiferous at times, but I don’t think it can be said too many times. If you use the wrong agent to buy life insurance, who picks the wrong company for your situation, you will not enjoy a...
by Ed Hinerman | Oct 25, 2011 | business life insurance, buy/sell life insurance, executives, Foreign National Life Insurance, foreign nationals, foreign travel, insurance, key man insurance, life insurance
Impaired risk life insurance has always been the cornerstone of our business. That decision to take the life insurance agent path less traveled has proven to be a blessing for our clients and for me. The majority of agents are after the majority of clients. Clients...
by Ed Hinerman | Oct 10, 2011 | business life insurance, insurance, key man insurance, life insurance, over 50 life insurance, prostate cancer
I have, over the years, made it quite clear that there are distinct advantages to buying life insurance when you are young and healthy. It’s not that over 50 life insurance suddenly becomes horribly difficult to obtain. for most of us it is just more expensive...
by Ed Hinerman | Sep 23, 2011 | cancer, foreign nationals, insurance, life insurance, prostate cancer
I’ve talked before about Pan American Life Insurance and the fact that they will underwrite foreign nationals, mostly from Central and South America and the Caribbean. The only caveat is that they have to travel to Florida to complete the application and exam....
by Ed Hinerman | Feb 22, 2011 | diabetes, insurance, life insurance, senior life insurance
I was playing with my granddaughter over the weekend. There’s probably nothing she likes better than being chased and I forget how clumsy I can be. Anyway, I tripped a bruised a rib and as we all know there isn’t anything you can do about that except try...
by Ed Hinerman | Jan 5, 2011 | decline, insurance, life insurance
I’ve always said that a life insurance decline is really not a bad place to start. Obviously it’s more fun to get approved at the best rate the first time around, but most of my clients come to me because they have health issues. They call or email because...
by Ed Hinerman | Dec 15, 2010 | coronary artery disease (CAD), decline, life insurance, prostate cancer
I have to admit that if it wasn’t for life insurance applications being declined, we wouldn’t do a lot of business. I’ve shared before that most of our clients come to us because they had life insurance declined elsewhere, or they are afraid that if...
by Ed Hinerman | Dec 2, 2010 | cancer, insurance, life insurance, prostate cancer
When you have survived cancer and are past the scare and past the treatment, for a lot of people it’s a time to reflect on what just happened and, for many, how they were lacking in the life insurance department. There are some basic guidelines that will help...
by Ed Hinerman | Oct 28, 2010 | diabetes, insurance, life insurance
I’ve had health change surprises come out of nowhere before. I can still remember 30 years ago seeing the doctor for some innocuous thing and he did a blood workup. The result was a diagnosis of Raynauds disease. I was in my late 20’s and felt pretty good....
by Ed Hinerman | Oct 1, 2010 | family history, insurance, life insurance
There is almost always an audible let down (sometimes mixed with some expletives) when I ask about family history of heart disease, cancer and diabetes. The typical response goes something like, “How can they hold that against me when my Dad was an overweight,...
by Ed Hinerman | Sep 1, 2010 | cancer, insurance, life insurance
With almost all life insurance underwriting in relation to someone with a history of cancer there will be a waiting period after the completion of treatment before a company will approve a policy. The only exception to that rule that I can think of would be the two...
by Ed Hinerman | Aug 3, 2010 | bait and switch, insurance, life insurance
Having run across bait and switch situations often during my years in life insurance, and having just run head on into again today, I thought I would share a few thoughts starting with an analogy. Have you ever wondered what a fish must go through when they’re...
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