by Ed Hinerman | Oct 3, 2013 | HIV Positive, insurance, insurance quotes, life insurance, life insurance approval
Until today I have had to point anyone HIV positive to the guaranteed issue life insurance market. Over the past 15 years we have seen huge strides in the treatment of HIV and with medical advances the ability to fully control it. For those of us who have been around...
by Ed Hinerman | Feb 28, 2012 | Alcohol Treatment Life Insurance, decline, diabetes, Drug Treatment Life Insurance, insurance, life insurance, prostate cancer
I got an email from a life insurance agent today asking me if I could recommend a guaranteed issue life insurance company in Massachusetts. He indicated that he had run into several clients that were uninsurable and wanted to find the best company to write graded...
by Ed Hinerman | Oct 31, 2011 | cholesterol, Dave Ramsey, ING Reliastar, insurance, life insurance
There seems to be a mindset that life insurance applications probably won’t be approved at the rate that was quoted and applied for. This is a far more prevalent mindset today with so many hundred of thousands of applications being jammed through life insurance...
by Ed Hinerman | Jun 4, 2010 | blood pressure, cholesterol, insurance, life insurance
That’s a life insurance question that’s easy to quantify in numbers. At age 57 if I wanted $500,000 of 20 year term insurance and I qualified for the best rate class, preferred plus, I could expect to pay $1840 annually, about $161 a month. If for some...
by Ed Hinerman | Apr 20, 2010 | insurance, life insurance
I’ve often talked about the good old days of life insurance. Good for the clients. Good for the agents and the companies too, and not all that long ago. It was a time when companies had the freedom to compete for business even when it involved policies that were...
by Ed Hinerman | Feb 16, 2010 | death benefit, insurance, life insurance
I’m often asked when a policy is declined or highly rated, if it would make a difference if we lowered the face amount of the insurance. In the mind of the consumer is the not so crazy thought that if the life insurance company is exposing itself to less risk...
by Ed Hinerman | Feb 11, 2010 | insurance, life insurance
For those of us that have been in the life insurance business a while we have been going through an unprecedented period of change and adjustment for the last three years. For those who bought insurance prior to that and are trying to get more or replace your old...
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 | Sep 22, 2009 | insurance, life insurance, obesity
I had a client just recently who works for State Farm as a claims adjuster and was declined for life insurance by to them due to his obesity. He’s 6’1, 415 pounds. I shouldn’t get down on State Farm over this since by most life insurance company...
by Ed Hinerman | Jun 24, 2009 | Independent agent, insurance, life insurance
An ongoing discussion in this forum is the fact that for so many, the rates you end up paying for life insurance are higher than they need to be simply because you used the wrong agent who used the wrong company. I just want to review a few scenarios where, if your...
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