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By Ed Hinerman on April 27, 2009
I did a series of posts last year on life insurance policies and have referred back to those posts on several occasions when explaining some specific clauses and options such as the suicide clause and incontestability clause and the conversion option. Now I would like to start from the beginning and talk about the application. ...read more
Posted in beneficiary, conversion, estate taxes, foreign travel, insurance, life insurance, mortality, mortality risk, private pilots, scuba diving, suicide clause | Tagged beneficiary, conversion, estate taxes, foreign travel, insurance, life insurance, mortality, mortality risk, private pilots, scuba diving, suicide clause
By Ed Hinerman on March 31, 2009
I finally got my wife to look the other way while I jumped out of an airplane for my 54th birthday. She’s always so nice about asking me what I want for my birthday, and for the past 5 years I hadgreat present. She steadfastly refused, not wanting to be a party to my smashing ...read more
Posted in cancer, foreign travel, Independent agent, insurance, life insurance, private pilots, scuba diving, skydiving, smoking, student pilot | Tagged cancer, foreign travel, Independent agent, insurance, life insurance, private pilots, scuba diving, skydiving, smoking, student pilot N |
By Ed Hinerman on March 18, 2009
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than with a shared meal, a key word salad. Diabetes ...read more
Posted in A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women | Tagged A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, economic meltdown, foreign travel, gastric bypass, gay, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, recession, scuba diving, Selectquote, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
By Ed Hinerman on March 12, 2009
Part of every life insurance interview has to do with extreme or dangerous activities. Often when I ask clients about whether they participate in anything like that, they will answer something like, “Well, I golf or fish. Does that count?” It seems after today that I may have to be a bit more prying about ...read more
Posted in hazardous activities, Independent agent, insurance, life insurance, scuba diving | Tagged hazardous activities, Independent agent, insurance, life insurance, scuba diving
By Ed Hinerman on February 17, 2009
I’m often asked, after the fact, what it takes to get the best life insurance rates. While I would be hard pressed to cover everything that could be hiding in your medical records, I can provide a general rundown based on the exam, labs, family and personal history. Generally a person can’t have used any ...read more
Posted in basal cell carcinoma, blood pressure, cancer, cholesterol, diabetes, DUI, insurance, life insurance, private pilots, scuba diving, skydiving, smoking | Tagged basal cell carcinoma, blood pressure, cancer, cholesterol, diabetes, DUI, insurance, life insurance, private pilots, scuba diving, skydiving, smoking, Uncategorized
By Ed Hinerman on January 15, 2009
You’ve got some good news and you’ve got some bad news when it comes to life insurance underwriting for scuba divers. The good news is that there are still plenty of opportunities out there for preferred plus and preferred rates for those recreational divers who don’t go below 100′. And let’s be real, 95% of ...read more
Posted in insurance, life insurance, scuba diving, skydiving | Tagged insurance, life insurance, scuba diving, skydiving
By Ed Hinerman on June 11, 2008
Whenever I do an initial interview with a life insurance client we always touch on “avocation” questions, the dangerous hobby thing. In general the life insurance underwriter wants to know if you are actively increasing your mortality experience by having a good time. I remember my wife grilling me about my own life insurance when ...read more
Posted in Independent agent, insurance, life insurance, private pilots, scuba diving, skydiving | Tagged Independent agent, insurance, life insurance, private pilots, scuba diving, skydiving
