2023-07-20 20:27
original post 2/28/14 updated 7/2023
As I write about life insurance policies for low stage melanoma, I know you folks in the northeast are not thinking about skin cancer right now. You are… Read More
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Impaired & High Risk Life Insurance, Declined Or Rated: Ed Hinerman Blog
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The Hinerman group specializes in high risk and impaired risk life insurance solutions. If you have been declined an insurance policy turn to us for solutions.
2023-02-26 16:01
Wouldn’t that be nice? Kind of like the Progressive commercials where every kind of insurance is in a separate box. “Here’s your perfect private pilot life insurance. Will… Read More
2023-02-25 21:20
I was recently working on quotes for pilot life insurance for a client of mine a few days ago when he called and said a pilot co-worker and friend told him that a AOPA, Aircraft Owners and P… Read More
2023-01-17 09:15
It Keeps Getting Better!
Life insurance for adults with type 1 diabetes has continued to improve since I last updated this post in 2019. Testing, monitoring and insulin administration… Read More
2023-01-07 17:54
What Do The People You Love Want Their Future to Look Like?
I met a young man the other day. He’s 16 and is pursuing a dream with a focus I’ve rarely seen in someone that age. He… Read More
2023-01-05 22:40
We All Know Someone, Right?
If you haven’t experienced the premature death of a friend or family member, it’s coming. How about a friend of a friend or someone you hear or read a… Read More
2022-02-02 21:19
How Depression Affects Life Insurance
We live in a country that was anxious, arguably for good reasons, even before the coronavirus pandemic. In a lot of cases anxiety can lead to depression… Read More
2021-10-29 16:48
Level term life insurance is a type of life insurance that lasts a predetermined number of years (the “term”) and is fairly straightforward. Under a level term life insurance pol… Read More
2021-04-28 19:20
It’s been 10 years since I wrote this post. A lot has changed in how life insurance companies view gestational diabetes. Some worse and some in the right direction. I hope bringing thi… Read More
2021-04-24 17:58
I wrote this post about 10 years ago. That was just a few years after my mother went through diagnosis and treatment for breast cancer and it gave me a whole new awareness of the aspects lik… Read More
2021-04-14 16:56
It’s Not Even In The Fine Print!
There actually isn’t any fine print in the SBA loan requirements, so rest easy. I mean really rest easy, as in sitting in your favorite chair and… Read More
2021-04-12 21:50
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 b… Read More
2021-04-10 18:37
Why Would You Want To Replace Your Current Life Insurance?
There is a mindset with life insurance that once you have it in place, don’t mess with it. This is sound logic if you are sat… Read More
2020-11-18 23:30
I first wrote this post five years ago in reaction to a client who had put their faith in USAA. They were a veteran and, after all, USAA makes much of being America’s patriotic insuran… Read More
2020-11-10 20:00
I wrote this post the summer of 2016, a much simpler time in our country. The problem I addressed then is still around and just adding to the challenges our nation faces. I am updating this… Read More
2020-11-03 22:00
I wrote this post 4 years ago today and it could use updating and clarification. So, here I go, on task and laser focused, sort of…All the best.
What Does Being Declined Mean?
For tho… Read More
2020-10-31 18:00
I wrote this post three and a half years ago and there have been several positive changes in the life insurance underwriting of heart disease and heart disorders. I hope the updated informat… Read More
2020-10-26 23:17
I wrote this post 8 years ago and now we are in a pandemic and life insurance is starting to come into focus for a lot of people, so thank you for accepting this update. All the best.
The Wa… Read More
2020-10-14 18:39
I wrote this post early last year, but just had an experience that inspired me to update the post and bring a little information to the table.
Shopping For Life Insurance Can Be OK Or Seriou… Read More
2020-08-29 00:01
I was reading this post written in 2012 and decided, for several reasons, that it was still a very valid message that needed updated and restated, so here you go!
In Life Insurance Someone N… Read More
2020-08-22 17:21
The AOPA Rate Hike Letter
In the AOPA letter to group life insurance participants dated July 29, 2020 they note that”The AOPA Life Program in which you currently participate in is a pr… Read More
2020-08-19 21:45
AOPA Was Supposed To Be A Pilot Advocacy Association?
Since breaking the news about the 30% increase in AOPA’s group life insurance for pilots I’ve helped several pilots get thei… Read More
2020-08-03 22:00
AOPA Bails On Competitive?? Life Insurance For Pilots
Aircraft Owners and Pilots Assocation, AOPA, has offered group life insurance for pilots for a long time. I know they have for at least… Read More
2020-07-15 23:00
I wrote this post nearly 10 years ago and it seems worthy of an update on my continued disdain for agents and agencies, especially the mega life insurance agencies like Selectquote. They sti… Read More
2020-07-13 10:00
I wrote this in 2017 and, well the world has changed. Time for an update!
Do You Love To Talk About Life Insurance?
Aw, c’mon! Admit that you hide copies of Insurance News Net magazine… Read More
2020-07-09 23:18
When I wrote this in 2014 I was a little emotional about it. You would think I would calm down after 6 years, but I am updating this because, well, I’m mad.
How Bait And Switch Happens… Read More
2020-06-17 10:00
I first wrote this back in 2015. I’m digging a little deeper because it can save your family.
Is Go Fund Me A Good Replacement For Life Insurance?
It sure seems like a lot of people be… Read More
2020-06-02 14:54
The Cost Of (Life) Insurance
After 20+ years of life insurance rates going down, the chaos of the last 3 months appears to have put an end to the trend. The cost of insurance is primarily co… Read More
2020-05-22 22:31
This post was first written September 2014, critical updates made May 2020
The Case For Prostate Cancer Active Surveillance
There is no question that with today’s medical knowledge and… Read More
2020-05-19 21:53
The Good And Bad News In Covid 19 Life Insurance Underwriting
As the country creeps back into reopening, life insurance companies have made it easier to apply for policies, with several majo… Read More
2020-04-24 14:36
Were You Denied Life Insurance Because Of A “High Risk” Medical Condition?
Being declined for anything just feels wrong, right? Being denied a car loan when you know you can make… Read More
2020-04-22 14:29
First An Update On Covid 19 Impact On Life Insurance
Since my last post, while life insurance companies are still taking applications and approving new policies, underwriters with some compa… Read More
2020-03-31 15:51
Life Insurance Companies Adjust To COVID 19 Reality
The life insurance industry is adjusting quickly, not just in their daily commitment to their customers, but also to the COVID distancing… Read More
2020-03-30 21:33
Where We Were Yesterday
Yesterday I broke ground on several subjects that are on the minds of many about life insurance. I talked about the solid ground that life insurance companies are on… Read More
2020-03-19 16:38
Are Life Insurance Companies Capable Of Handling A Pandemic?
These are certainly crazy times and the truth is we don’t know how bad things will get or when this will resolve and life w… Read More
2020-03-06 22:15
Can I Get Life Insurance With A Heart Condition Or Heart Disease
If you haven’t personally experienced the trauma of a heart attack or being told that you have a life changing heart co… Read More
2019-12-19 15:30
What is guaranteed issue life insurance?
The definition couldn’t be much simpler. Guaranteed issue is a life insurance policy that the company guarantees it will issue and put in force… Read More
2019-12-06 17:26
Why would you replace one life insurance policy with a new one?
There are some important and ongoing questions when you own life insurance like does the policy meet your needs and Is the pol… Read More
2019-12-06 15:13
The Overview
Up until about six years ago life insurance companies that would approve someone who admitted smoking pot, approved them at the same smoking rates that applied to cigarette smok… Read More
2019-12-05 00:10
Are you blackballed when you are declined for life insurance?
In the 18th century blackballing was simply voting using a black versus white ball. In more recent times it came to mean a remov… Read More
2019-12-04 22:01
Can you get life insurance after completing cancer treatment?
I wish the answer to that question was always yes. Since it’s not, let’s talk about the criteria that need to be met… Read More
2019-12-04 18:12
Is there a 5 year waiting period for life insurance approval?
The answer to that question may have been yes at some point in life insurance history with some companies but not in the last 20… Read More
2019-12-02 23:40
Nicotine use impact on life insurance pricing!
Life insurance underwriting has been appropriately rough on those who smoke cigarettes. There is a mountain of medical and scientific evidence… Read More
2019-12-02 18:47
Do pilots pay more for life insurance?
This is one of those life insurance questions that has been on something of a roller coast ride for the last 20 years. There was a long period when mos… Read More
2019-11-30 17:51
Should I carry life insurance on my children?
The question of carrying life insurance on children has elicited all kinds of responses over my years of answering that question. Some parents d… Read More
2019-11-27 23:42
What if my health changes after I buy life insurance?
There are plenty of precedents where insurance penalizes you when something happens. Car insurance immediately comes to mind when they r… Read More
2019-11-27 21:38
Do you need war zone life insurance?
I just got off the phone with a client who renewed their war zone coverage for the 7th year. With a few electronic forms he is good to go for another yea… Read More
2019-11-27 00:38
Why?
Life insurance underwriters look at all aspects of health when they are deciding at what rate to approve your application. The good news is they aren’t looking for models, but rat… Read More
2019-11-26 00:33
Can you really sell a policy you don’t want anymore?
It can certainly happen, but let me start by saying that not all term life policy can be sold. Selling your life insurance policy a… Read More
2019-11-22 23:23
What difference does it make?
I won’t make rocket science out of this for you. Cigarette smoking and more recently vaping can put you at risk of a large number of diseases, and yes, de… Read More
2019-11-11 18:19
New York! New York!
The state of New York has always been challenging for those looking for life insurance. There are a lot of life insurance companies that don’t even seek approval to… Read More
2019-09-11 20:11
Life insurance News For Stage 0 Melanoma
How many of us have laughed at or been laughed at over sunburns growing up? There wasn’t anything fun or funny about the pain, and we had no id… Read More
2019-08-27 20:26
As recently as 2013 it just wasn’t a stretch for Bipolar 2 life insurance to have a shot at getting the best rate class with some companies if you had well controlled bipolar II. The c… Read More
2019-08-24 22:16
Heraclitus
“Change is the only constant in life” according to Heraclitus. Never met the guy but he definitely hit the nail on the head. And then Robert Burns doubled down on the… Read More
2019-08-24 22:16
“Change is the only constant in life” according to Heraclitus. Never met the guy but he definitely hit the nail on the head. And then Robert Burns doubled down on the thought wit… Read More
2019-08-22 16:34
WHERE WAS THE LIFE INSURANCE?
I had this nagging feeling even before I understood what a value life insurance protection is and well before I started this forum to let everyone know the trut… Read More
2019-08-13 22:26
If you look that up on Google, on the first page, all of the offerings are about life insurance companies (top 10 companies). There is one that talks about 13 agents who wrote monster life i… Read More
2019-05-23 16:33
If you’re young and healthy, your term life insurance broker may not have to work too hard to get the […] Read More
2019-05-23 16:33
If you’re young and healthy, your term life insurance broker may not have to work too hard to get the life insurance you need approved and put in force. If you’ve followed this f… Read More
2019-05-02 18:02
Thankfully, cannabis business life insurance approvals are finally possible! Wow, what a journey this has been and will continue to […] Read More
2019-04-25 00:23
My New Year’s resolution is to always tell the truth no matter whose buttons it pushes. I’ve been bullied into […] Read More
2019-04-23 16:39
Let’s be honest. Successful business people don’t pick the providers of critical support like CPA’s, attorneys, suppliers and financial advisers […] Read More
2019-04-17 21:16
It used to be that getting life insurance with Hepatitis C was difficult. But, there’s nothing quite like a cure […] Read More
2019-04-17 10:00
A la carte means you get what you want and Quotacy is one of the stand out life insurance quote […] Read More
2019-04-16 16:38
This is, as promised, another in a series of posts that address the difference that the quality of a life […] Read More
2019-04-14 22:44
Declined life insurance applications. It’s where most of my customers come from. Most of the time, these denials have come […] Read More
2019-04-10 23:22
I am currently working with a client who was declined by a few other companies and apparently told that with […] Read More
2019-04-08 22:39
I have a lot of civilian contractor clients working in the Middle East and African war zones. One just renewed […] Read More
2019-04-03 19:35
If you have recently been diagnosed with prostate cancer and/or chronic elevated PSA, you may be concerned about the ability […] Read More
2019-03-25 23:21
If you are letting your policy lapse at the end of its term, you may want to consider the option to sell your life insurance policy instead. Yes, really Read More
2019-03-23 21:34
originally posted 2/17, updated 3/19 The best advice is to put business life insurance in place once you start business. […] Read More
2019-03-21 22:56
Pilot life insurance can and should be shopped, even if you are a member of AOPA. A true apples to apples comparison, like this one, can help you save thousands of dollars over the policy te… Read More
2019-03-20 21:19
In reviewing my database of clients, it became obvious that a large block of my business, something around 25%, are […] Read More
2019-03-16 17:47
original post July 2015, updated March 2019 I know I am balancing on the small tip of the iceberg with […] Read More
2019-03-13 17:06
Prostate cancer, and specifically the great changes in life insurance underwriting for prostate cancer, are in the news. Well, they’re […] Read More
2019-03-11 22:42
1984 finally showed up 35 years late but just as invasive and scary as it can be. I am currently […] Read More
2019-03-09 23:35
original post 12/2014, updated 3/2019 Not having business life insurance on a partner can create a devastating loss for a […] Read More
2019-03-07 00:02
Before everyone jumps on this no exam executive life insurance offer, and I get a call from every CEO who […] Read More
2019-03-03 14:47
original post 11/2014, updated 3/2019 Wouldn’t it be great if everyone who needed business life insurance was a life insurance […] Read More
2019-02-28 23:42
Until artificial intelligence gets to the point where we can just think life insurance in force, we’re stuck with three […] Read More
2019-02-23 21:18
original post 3/2014, updated 2/2019 Why is business partnership life insurance so important? We’re going to be focusing on business […] Read More
2019-02-16 19:47
original post January 2014, updated February 2019 Just when I think life (insurance underwriting) couldn’t get any better, well, it […] Read More
2019-02-09 14:15
original post 2/28/14 updated 2/2019 As I write about life insurance policies for low stage melanoma, I know you folks […]
The post New Fair Underwriting Gives Life Insurance Policies… Read More
2019-02-08 19:39
There is the very real possibility that if you ask for a life insurance quote on line that you may […] Read More
2018-12-05 23:21
For the next few weeks I am going to pick apart and try to make sense of business life insurance […] Read More
2018-12-01 18:48
Especially for those who are younger, in your 30’s and 40’s, term life insurance has historically presented a conundrum, with […] Read More
2018-11-06 22:22
So, BNP (natriuretic peptide). What the heck is it? In layman’s terms (so I can understand it), BNP is a […] Read More
2018-11-06 17:12
Here I go again busting another urban myth propagated by life insurance companies and organizations that people over age 50 […] Read More
2018-11-05 23:18
If the Wall St Journal was doing an article on life insurance applications and how underwriters interpret your medical records […] Read More
2018-11-05 22:02
I know I’ve beat this drum to death, but please tolerate one more rant. Less than 1% of life insurance […] Read More
2018-10-23 17:06
Prostate cancer and specifically the great changes in life insurance underwriting for prostate cancer are in the news. Well, they’re […] Read More
2018-10-13 14:26
It’s what we’re all looking for when we finally get around to the task of acquiring life insurance, a great […] Read More
2018-09-21 15:03
The Wall Street Journal recently posted an article titled, “Universal Life Insurance, a 1980s Sensation, Has Backfired”. Now I have […] Read More
2018-09-13 21:55
I’ve written for years about the great underwriting and life insurance prices available for those with treated prostate cancer. Within […] Read More
2018-09-12 23:02
Before everyone jumps on this and I get a call from every CEO who wants life insurance but doesn’t want […] Read More
2018-05-02 17:10
I’ve had several questions about the new Protective Life offering of life insurance through Costco. One client emailed, “So, I wanted to run something by you. My husband an… Read More
2018-04-10 20:03
I am still shaking my head over the news I got today from the last bastion of reasonable foreign national life insurance underwriting. Most US life insurance companies had gone south in this… Read More
2018-03-29 17:30
The picture keeps getting brighter for the four categories of international and foreign national life insurance. The first is Americans living abroad, whether ex-patriots, missionaries or re… Read More
2018-02-16 15:40
Having just placed a $9 million business life insurance key man policy, I can tell you that the welcome mat is out for those in business or for personal needs who have well controlled HIV. I… Read More
2018-02-13 18:27
As requirements grow tighter with most US based life insurance companies we have one carrier who goes above and beyond to meet the life insurance needs of those who reside outside the United… Read More
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