by Ed Hinerman | May 11, 2020 | life insurance, life insurance approval, life insurance exam, medical records life insurance, no exam
This post was written in May 2017, critical updates May 2020 Life Insurance Exams And Labs Have Changed. A lot! When I broached this subject back in 2017 “no exam” life insurance was available through several companies, but at a significantly higher price...
by Ed Hinerman | Mar 5, 2016 | application process, approval, bipolar disorder, decline, insurance, life insurance, Medical Information Bureau, no exam, simplified issue life insurance
Let’s give a few minutes to the subject of simplified issue life insurance , aka no exam life insurance. If most life insurance companies ask a litany of health and background questions and require an exam with a full blood and urine workup, how can another ask...
by Ed Hinerman | Jul 6, 2015 | application process, approval, attending physician statement, decline, insurance, insurance quotes, life insurance, Medical Information Bureau, medical record acquisition, medical records life insurance
Update my personal history in your records if you expect me to pay your bill. Yes, I am suggesting yelling at your doctor and yes, they may get all offended by the assertion that they aren’t doing their job, but it’s kind of like the old adage, “How...
by Ed Hinerman | Aug 1, 2012 | insurance, life insurance, Medical Information Bureau, smoking
Second only to life insurance agents for being blasphemed by the life insurance buying public is the Medical Information Bureau, or MIB. The MIB is a super warehouse of health and lifestyle information gathered from life insurance applications as they are processed by...
by Ed Hinerman | Jul 26, 2012 | decline, insurance, life insurance, Medical Information Bureau
I am currently working with a life insurance client who has yet to give me his real last name because he is so concerned that information he provided me just to shop his case will end up in MIB and ruin forever his reputation and chances of getting a fair shake at...
by Ed Hinerman | Jun 6, 2011 | bipolar disorder, decline, insurance, life insurance
MIB, the Medical Information Bureau, has always been kind of this covert secret group that snatches information whenever you apply for life insurance or health insurance. MIB has been blamed for a lot of things and I thought it would be helpful to demystify their role...
by Ed Hinerman | Jan 31, 2011 | decline, insurance, life insurance
Not a day goes by that I don’t read some “how to” life insurance article that claims that being declined for life insurance is right up there with getting kicked out of the country club. You will just never be OK again! You will be black balled....
by Ed Hinerman | Dec 23, 2010 | guarantee, insurance, life insurance
In the last six or seven years NY life insurance has managed to lift itself out of the dark ages, and while still not as robust and open as the other 49 states, progress is still progress. I remember back when I first got licensed in all the states it didn’t...
by Ed Hinerman | Dec 4, 2010 | A1c, bypass surgery, cholesterol, decline, insurance, life insurance
I suppose there are a few people who apply and know for a fact that they will be declined life insurance coverage. I’ve actually had calls from people who were in the hospital having just undergone heart bypass surgery. They asked about getting life insurance,...
by Ed Hinerman | Nov 24, 2010 | death benefit, insurance, life insurance
It’s a dilemma that occurs far too often. A husband dies without ever letting his wife know about life insurance he owned with her as beneficiary. A father or mother dies and the children were never told if they had life insurance or not. People lose life...
by Ed Hinerman | Feb 17, 2010 | beneficiary, insurance, life insurance
I get one of these calls every month or so. A client can’t remember where they put their life insurance policy. It’s not a huge deal to fix the problem, or at least to get a new policy. The larger problem is that if you can’t find your life insurance...
by Ed Hinerman | Jan 21, 2010 | insurance, life insurance, no exam
I got a letter (bulk rate) from Garden State Life today. I had inquired some time back just to find out how bad their “no exam” life insurance offer was. I like to keep abreast of the hardly ever changing difference between what life insurance will cost if...
by Ed Hinerman | Oct 23, 2009 | insurance, life insurance, no exam
I got an application in the mail yesterday from a Garden State Life It came with a (dang it) non-negotiable sample death benefit check and all of the emotional verbiage they could come up with in order to convince you to act now and don’t take time to check out...
by Ed Hinerman | Jul 20, 2009 | insurance, life insurance, no exam
One of the little inconveniences of applying for life insurance is that, although free and done at your home or work, there is the need for an exam. With the exception of larger policies most exams consist of blood and urine specimens, a check of your height, weight...
by Ed Hinerman | Jun 8, 2009 | decline, insurance, life insurance
A life insurance decline doesn’t do anyone much good. The client doesn’t get the insurance and the agent and company spend time and money getting to that conclusion and lose money because nothing is ever purchased. Just so no one thinks I’m starting...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments