by Ed Hinerman | May 27, 2015 | application process, attending physician statement, insurance, life insurance, medical record acquisition, medical records life insurance
This is definitely one of those OMG moments. This is almost like being in the Navy for 20 years and just figuring out that the bow is the pointy part of the ship. I’ve had a few cases lately where doctors have been MIA for their patients that are applying for...
by Ed Hinerman | May 20, 2015 | ADHD, Anxiety, approval, Attention Deficit Disorder, bipolar, bipolar disorder, CEO life insurance, Depression, impaired risk life insurance, insurance, life insurance, life insurance approval, mood disorder life insurance, physicians life insurance
It’s been a long time since I addressed the topic of the beating that professionals, from physicians to attorneys to CEO’s take on life insurance if they have ever even been suspected of having a mood disorder. The way life insurance underwriting jumps all...
by Ed Hinerman | May 20, 2015 | application process, approval, arrythmia, atrial fibrillation, business life insurance, CEO life insurance, decline, doctor's recommendation, heart attack, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
I ran into a client over a year ago who presented me with one of those life insurance scenarios that brings out the gag reflex in even the best of underwriters, one of “those issues” that has been an automatic decline since life insurance was invented, an...
by Ed Hinerman | May 14, 2015 | approval, decline, ejection fraction, honesty, insurance, insurance quotes, lab results, life insurance, life insurance approval, PSA
With my feet firmly planted in impaired risk life insurance, the you and me’s who can’t lay claim to perfect health, it is rare when I send someone life insurance quotes at preferred plus, preferred elite, preferred best or whatever clever name insurance...
by Ed Hinerman | May 5, 2015 | approval, cancer, decline, insurance, life insurance, life insurance approval, life insurance underwriting, melanoma
I first wrote this post in 2015. Melanoma is the deadliest of skin cancers, but for those who catch it early it is curable. More life insurance companies have opened to the idea of approving policies when clients have low stage melanoma, so time to update. Hope this...
by Ed Hinerman | May 5, 2015 | bipolar, bipolar disorder, business life insurance, CEO life insurance, decline, Depression, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
So we’re all familiar with the manic and depressive swings that are the hall mark of bipolar disorder. Some are subtle and manifest as people that work like crazy and then need down time to recover. The more severe bipolar manifestations are manic on the out of...
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