By Ed Hinerman on March 13, 2012
Declined life insurance applications. It’s where most of my customers come from. I do have a pretty fair block of business with private pilots and a growing business with Lloyds of London in high risk and high limit insurance policies such as coverage for contract workers in war zones and people that climb mountains. But ...read more
Posted in decline, diabetes, impaired risk life insurance, insurance, insurance quotes, life insurance, no exam, private pilots | Tagged agent doesn't ask questions about impairment, archaic underwriting, bipolar disorder, captive agents, declined life insurance application, diabetes, former car salesmen, heart attack, high limit insurance, high risk insurance, impaired risk life insurance, independent agents, insurance, life insurance, no exam nonsense, no health questions nonsense, pre approved to be declined, quote from an underwriter, relevant to mortality, Selectquote, wrong life insurance agent, wrong life insurance company, Zander |
By Ed Hinerman on February 28, 2012
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 benefit guaranteed issue life through. I know I’ve talked ...read more
Posted in Alcohol Treatment Life Insurance, decline, diabetes, Drug Treatment Life Insurance, insurance, life insurance, prostate cancer | Tagged alcohol abuse treatment, angioplasty, basal cell carcinoma syndrome, cardiac bypass surgery, complant treatment, Drug Treatment Life Insurance, easily approved, gastric bypass surgery, guaranteed issue life insurance, insurance, life insurance, life insurance agent, life insurance approval, life insurance decline, melanoma, moles with dysplastic nevi, prescription drug abuse treatment, prostate cancer watchful waiting, prudentt treeatment, Type 1 diabetes, Type 2 diabetes, underwriting guidelines, well controlled |
By Ed Hinerman on February 16, 2012
If it isn’t crystal clear by now, it should be. People applying for life insurance with a current or past history of well controlled depression, anxiety, ADD, ADHD, bipolar disorder and other mood disorders are being abusively rated or declined by most life insurance companies. My contention is , in spite of the statistics, is ...read more
Posted in Anxiety, bipolar, bipolar disorder, business life insurance, decline, Depression, insurance, life insurance, physicians life insurance | Tagged abusively declined, abusively rated, ADD, ADHD, anxiety disorder, approved at preferred plus rates, approved bipolar disorder, attorney, bipoalr disorder, bipolar, CEO, ceo life insurance, decline, insurance, life insurance, obsessive compulsive disorder, OCD, physician, rated for mood disorders, situational depression, well controlled anxiety, well controlled depression, well controlled mood disorder |
By Ed Hinerman on February 15, 2012
It’s no secret that by far the majority of my non private pilot clients have been declined for life insurance before they came to me. There is just something about being declined that is personal, a little humiliating, maybe scary and really ticks people off. “What do you mean I’m not insurable”? I had an ...read more
Posted in Anxiety, decline, insurance, life insurance | Tagged about being declined, Anxiety, declined, declined for life insurance, handled correctly, I'm not insurable, insurance, life insurance, poor handling by agent, private pilot, psychiatrist records, shopped it blind, skeletons out of closet, summary of diagnosis, summary of treatment, without knowing the facts |
By Ed Hinerman on January 28, 2012
I got a call yesterday from a woman who had just been declined for a new life insurance because she had two melanomas in the last 11 years. After the second melanoma she decided she was a little more mortal than she had originally figured and wanted to increase her life insurance. So, she called ...read more
Posted in basal cell carcinoma, cancer, decline, insurance, life insurance, melanoma | Tagged approval, basal cell carcinoma, Clarks level II, declined, insurance, life insurance, low stage, melanoma, multiple occurences, new life insurance declined, pathology report, shop before quoting, skin cancer, squamous cell carcinoma |
By Ed Hinerman on January 26, 2012
What a cold, cruel world we live in. Most of the time I am not surprised when someone calls because they they have been approved at a standard rate, sometimes a little worse for things like ADD, ADHD, mild anxiety or depression. A few days ago I got a call from someone who had been ...read more
Posted in Anxiety, decline, Depression, hepatitis, insurance, life insurance | Tagged ADD, ADHD, hepatitis, impaired risk life insurance, impaired risk underwriting, insurance, life insurance, liver tests, mild anxiety, mild depression, mood disorders, preferred plus, right agent |
By Ed Hinerman on January 4, 2012
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 ...read more
Posted in bipolar disorder, decline, insurance, life insurance | Tagged approved for life insurance, bipolar disorder, declined for life insurance, doesn't seem right, highly rated for life insurance, ideal client doesn't cave in, ideally suited to help, insurance, life insurance, more hope, my ideal client, treated unfairly, win the fight, worthy of life insurance. wrong agent, wrong company, wrong results |
By Ed Hinerman on December 22, 2011
I think it’s happened to all of us at one point or another. We go to a doctor or a counselor and they come up with a diagnosis that is so far out of context that you can’t understand how they got from point A to B. There is a very natural tendency, especially if ...read more
Posted in Anxiety, bipolar, bipolar disorder, decline, insurance, life insurance | Tagged bipolar, bipolar disorder, decline due to non compliance, declined for no reason, declined twice bipolar disorder, diagnosis, diagnosis bogus, discard old diagnosis, dismiss the diagnosis, insurance, life insurance, mistake in medical records, non compliance, optional test, postpone until test is completed, psych evaluation, recommended testing, recommended treatment, reviewe medical records |
By Ed Hinerman on December 15, 2011
Declined anything is a personal hit kind of feeling. I remember once being declined for a credit card. I think I may be the only guy in the country that has ever been declined for a credit card. It kind of hurt my feelings. They offered it and then they declined it. What’s with that? ...read more
Posted in bipolar, bipolar disorder, decline, diabetes, epilepsy, heart disease, insurance, life insurance | Tagged approve, approve and issue policies, bipolar, bipolar disorder, CEO's, declined, declined for life insurance, diabetes, doctor lying to me?, epilepsy, heart disease, homemakers, insurance, life insurance, my imminent death, never a manic episode, never a sucidial thouht, not comfortable with risk, pathetic underwriting, pay out a death benefit, standard or better rates |
By Ed Hinerman on September 20, 2011
If you’ve entertained looking into high paying work in Iraq and Afghanistan, you’re not alone with the job situation here. The lure of a year or two of work to get back on financially stable ground is tempting. But “job” comes with an asterisk in places where folks are hurting each other and the truth ...read more
Posted in accidental death, AIG, Civilian War Zone Coverage, decline, hazardous activities, insurance, life insurance, private pilots | Tagged accidental death, accidental death and dismemberment, Afghanistan, AIG, civilian workers, foreign travel, high risk, insurance, Iraq, life insurance, Lloyds of London, private pilots, war zones |
