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420 articles
Holy Triglycerides Batman! Who Was That Masked Lipid'
From Ed Hinerman on Life Insurance, 4 month ago, Read 0 times. Similar articles
I recently shared about an insurance applicant who was approved by Transamerica at table 4 due to some admirably huge lipid readings. His Trigs were 862, total cholesterol 348 and HDL/total ratio 9.25.
I encouraged him to take those results directly to his doctor.
I told him the first thing he would get is a retest. No doctor would take those results at face value and start treating. I told him in the interim I would shop the numbers and see, in case he did need to start...
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ING Goes Decidedly Depressive On Bipolar Underwriting!
From Ed Hinerman on Life Insurance, 4 month ago, Read 0 times. Similar articles
I’ve talked in the past about how some companies will come on like they want to be the industry leader in a niche, only to fall of the radar completely a year or two later. The supposition on my part is that they either hired a new chief underwriter who put a squash on the underwriting, or their actuaries wanted to balance out their portfolio by adding some business from that particular risk pool. Once they reached their quota they simply changed the guidelines.
ING...
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Your Life Insurance Application Deserves Whatever It Takes!
From Ed Hinerman on Life Insurance, 4 month ago, Read 0 times. Similar articles
It would interesting to understand the psychology of an average life insurance agent. I know that there are plenty of truly lazy agents out there who, it appears, have a template that your life insurance application needs to fit into. If it doesn’t fit they either won’t take it on or they will let it fail just to get it off their plate.
These are the agents who consider things like asking all the health questions to be too much work. Isn’t it easier just to...
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Life Settlements versus Structured Settlements!
From Ed Hinerman on Life Insurance, 4 month ago, Read 0 times. Similar articles
Quoting Senator Bill Nelson from 2002, “Buying lottery winnings and life insurance policies has become a routine practice. Buying veterans’ retirement and disability benefits, however, has the semblance of predatory lending…” OK. Let’s set two sick practices side by side and test our gag reflex.
I’ve never minced words about how I feel about viatical or life settlements, the practice of corporate purchase of in force life insurance policies...
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10 Question Pop Quiz On Your Term Life Insurance Policy!
From Ed Hinerman on Life Insurance, 4 month ago, Read 0 times. Similar articles
A lot has changed over the past 30 some years in life insurance. Products have been invented and disposed of. Bells and whistles have been implemented and some of them have been disposed of. With a few notable exceptions though, the basic term life insurance policy hasn’t changed much.
When’s the last time you had a discussion with your life insurance agent about the options available to you in your term insurance policy' OK. Let me shorten that. When’s the...
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Are You My Ideal Life Insurance Client'
From Ed Hinerman on Life Insurance, 4 month ago, Read 0 times. Similar articles
I was grazing through Twitter today and came across this gem by Miki Strong, “Transparency in biz earns you trust & respect from your ideal client and filters out those who you’re not ideally suited to help”.
It was one of those moments like when you’re in church and you have that feeling that the pastor is speaking directly to you. Thanks Miki!
The truth is that I don’t want every person looking for life insurance calling me. I have...
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Do You Have A Second Addressee For Your Life Insurance Bill'
From Ed Hinerman on Life Insurance, 4 month ago, Read 0 times. Similar articles
Did you know that you have the right to name a second person to receive bills and notices for your life insurance policy' I have no idea what the number really is, but I am betting the number of death benefits that aren’t paid every year due to a policy lapsing accidentally is significant.
This is an issue that can pop up in a number of ways. A husband can have a policy that he doesn’t tell his wife about (yes, guys do that) and he can decide to balance his budget...
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Don't Pay Dave Ramsey Stupid Tax At Zander Insurance!
From Ed Hinerman on Life Insurance, 4 month ago, Read 0 times. Similar articles
My New Year’s resolution is to always tell the truth no matter who’s buttons it pushes. I’ve been bullied into backing off of a few blog posts in the past, probably the most memorable being with West Coast Life, but life’s too short and life insurance and your budget are too important. Feathers will be ruffled, not just for the sake of ruffling, but because people like you and your family and friends aren’t being treated right when it comes to...
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Foreign National Putting US Life Insurance In Force!
From Ed Hinerman on Life Insurance, 4 month ago, Read 0 times. Similar articles
As I ease my way into this market it is becoming clear that there are a lot of foreign nationals outside of the US who would like to own US life insurance and it is also becoming clear that it isn’t nearly as cumbersome a task as you might think.
Are there hoops to jump through' Sure. Are you going to pull any muscles jumping through them' Not if you do your homework first. Unlike US citizens it is very important for someone from another country wanting a US policy to...
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Newt Gingrich Talks About One Face Of Bipolar Disorder!
From Ed Hinerman on Life Insurance, 4 month ago, Read 0 times. Similar articles
I suspect that two things will stay very much the same in 2012. Politics will attempt to suffocate us all and I will be able to reach growing numbers of those with bipolar disorder in the their quest to be treated fairly in acquiring life insurance.
Since starting my work with those diagnosed with bipolar disorder I am always grateful when someone well known speaks out about it. The notion that jumps out is that when you compile all the stories you get a picture of a disease...
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