by Ed Hinerman | Aug 4, 2015 | application process, approval, bipolar disorder, decline, HIV life insurance, HIV Positive, impaired risk life insurance, Independent agent, insurance, life insurance
In the business of serious impaired risk life insurance, I celebrate each victory, and never take it for granted that the next one will be the same or end in an approval. We just got another HIV+ life insurance approval, this time for an executive in a large city...
by Ed Hinerman | Aug 4, 2015 | application process, approval, bad customer service, bipolar disorder, insurance, insurance quotes, life insurance, life insurance approval
A colleague and I both watched a Selectquote television ad the other night and the next morning I won the race to call him and cry foul. For years we’ve debated that fine line between active bait and switch in life insurance quoting and just being too stupid to...
by Ed Hinerman | Jul 24, 2015 | approval, basal cell carcinoma, family history, Independent agent, insurance, insurance quotes, life insurance, life insurance approval, life insurance underwriting, melanoma, mortality risk, squamous cell carcinoma
Call me naive, but there are almost daily occurrences of me seeing less mortality risk in a life insurance underwriting situation than the majority of underwriters. I get that they are paid to see everything through conservative lenses, but there are times when, to...
by Ed Hinerman | Jul 22, 2015 | application process, approval, budget, children's life insurance, financial adviser, guaranteed level premium, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval, second to die insurance
If all agents and all companies were created equal, well, you might as well get rid of all the agents and created “The Insurance Company”, completely computerized and ready to mistreat everyone on an equal basis. But alas we live in the real world and...
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 | Jun 25, 2015 | application process, approval, business life insurance, CEO life insurance, guaranteed level premium, HIV life insurance, HIV Positive, life insurance
There is nothing quite like fighting the good fight and getting your butt handed to you. While we’ve been able to provide life insurance for business purposes to HIV+ CEO’s and executives for years through Lloyds of London, anyone who has followed this...
by Ed Hinerman | Jun 24, 2015 | approval, breast cancer, cancer, impaired risk life insurance, insurance, John Hancock, life insurance, life insurance approval, life insurance underwriting, melanoma, prostate cancer, PSA
No, not the real man. He was by all reports a real stand up guy, but unfortunately there isn’t a requirement when a company uses your name that they have to portray the same characteristics. A few years back John Hancock Life Insurance made some bold, but well...
by Ed Hinerman | Jun 3, 2015 | approval, business life insurance, CEO life insurance, decline, exclusions, executives, HIV life insurance, HIV Positive, insurance, lab results, life insurance
A year and a half after I was run over by the HIV+ life insurance bus I’ve kept on plugging away and now, finally, my wounds have healed and we have finally stepped back on the bus. The rumor has circulated for years that companies were ready to entertain...
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 | Apr 24, 2015 | application process, approval, decline, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
Fool me once, shame on you! Fool me twice, shame on me! A rolling stone gathers no moss! A stitch in time saves nine??? Remember me? The foolish life insurance agent who yelled wolf in HIV clothing last year leaving a lot of people ticked at me when the underwriters...
by Ed Hinerman | Mar 26, 2015 | approval, beneficiary, customer service, decline, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance approval, rate increase
They would probably have a holiday named after me if every customer walked away completely satisfied but you just get more customers when almost all of them do. It’s OK because personally I think we have over done the holiday thing especially because if the...
by Ed Hinerman | Mar 19, 2015 | application process, approval, budget, business life insurance, children's life insurance, compliance, diabetes, impaired risk life insurance, insurance, life insurance, life insurance approval, Type 1 diabetes
I was contacted today by a woman who was pretty distressed by the fact that Gerber Life wouldn’t approve her 17 year old daughter for life insurance. The young lady has type 1 diabetes and I want to touch on a couple of subjects with this particular situation....
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