by Ed Hinerman | Feb 27, 2014 | AIG, application process, assumptions, contestability, honesty, Independent agent, insurance, life insurance, life insurance approval, life insurance underwriting
I’ve often shared how frustrating it is from my perspective to be helping a client who is having trouble getting life insurance, and have them compound the seriousness of the work by lying to me, or being less than candid. Well hang on to your shorts life...
by Ed Hinerman | Jan 22, 2013 | application process, decline, insurance, life insurance, life insurance approval, over 50 life insurance
For the most part medical records are what they, unreadable scribblings interspersed with occasional labs that are fairly understandable and other kinds of test results that might make sense to a doctor, but are of no use to you or me. There is an area of life...
by Ed Hinerman | Aug 16, 2012 | application process, insurance, life insurance, liver functions
So, let me catch you up. First you went through finding the right agent because anyone who reads this blog knows that the right agent using the right company equals the right outcome. Then your agent got down and personal and used that information to informally shop...
by Ed Hinerman | Mar 1, 2012 | application process, insurance, life insurance, term insurance
Our office has always been about getting the job done for our life insurance clients and getting a policy in force as soon as possible. I could probably be labeled a little obsessive compulsive about the application process, but I believe my logic is sound....
by Ed Hinerman | Oct 5, 2011 | foreign nationals, insurance, International Business insurance, life insurance
With the ability I discussed yesterday to write foreign nationals through US life insurance companies, there is now an opportunity to consolidate and save money in international business partnerships that should have business buy/sell agreements. I am currently...
by Ed Hinerman | Jun 7, 2011 | decline, insurance, life insurance
I used to think it was kind of amusing that obviously intelligent doctors have the worst handwriting of any other genre on the planet. Can you imagine if they were still in med school and had to hand write a 20 page thesis on something. The instructor would probably...
by Ed Hinerman | Jan 5, 2011 | decline, insurance, life insurance
I’ve always said that a life insurance decline is really not a bad place to start. Obviously it’s more fun to get approved at the best rate the first time around, but most of my clients come to me because they have health issues. They call or email because...
by Ed Hinerman | Dec 21, 2010 | cancer, life insurance, smoking
I was reading an article on MSN Health yesterday about how to talk to your doctor. It struck me that the same things would hold true for how to talk to a life insurance (or health insurance) agent. It also reminded me of previous posts where I’ve talked about...
by Ed Hinerman | Jul 1, 2010 | decline, insurance, life insurance
For most being declined for life insurance feels a little like being convicted of a crime that you didn’t commit. It’s also scary not knowing what to do, whether to try again, whether you will be black balled because of the decline, who knows. The problem...
by Ed Hinerman | Jan 23, 2010 | insurance, life insurance
Medical records should be an accurate account of each visit, test or procedure and nothing else…emphasis on accurate. The problem is that there really is no appreciation in the medical business for just how much damage can be done from medical record inaccuracy....
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 | Nov 13, 2009 | insurance, life insurance, Sleep apnea
So, you applied for life insurance and have been postponed or declined because you didn’t complete some, for instance a sleep study test your doctor recommended! Want a second opinion? Don’t waste your time. You’ll get the same answer at the next...
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 | Oct 14, 2009 | cholesterol, insurance, life insurance
Ahh, the less than perfect approval on your life insurance application. The temptation to take your bat and ball and go home and never play again. The desire to get back back at the company by not purchasing life insurance and not providing protection for your family....
by Ed Hinerman | Aug 27, 2009 | decline, insurance, life insurance
My wife is a nurse and I’ve often fussed with her about how inaccurate medical records can be. She doesn’t disagree with the general poor condition of medical records, but offered up the medical community’s offense as their defense. When she was...
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