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 | May 30, 2012 | approval, bipolar, bipolar disorder, decline, insurance, life insurance
I just want to go on record as saying I don’t write this kind of post to brag. I share these victories occasionally to help keep the hope alive for so many with bipolar disorder or other mood disorders who have been declined or abused with a high rating for no...
by Ed Hinerman | Feb 28, 2012 | Alcohol Treatment Life Insurance, decline, diabetes, Drug Treatment Life Insurance, insurance, life insurance, prostate cancer
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...
by Ed Hinerman | Feb 16, 2012 | Anxiety, bipolar, bipolar disorder, business life insurance, decline, Depression, insurance, life insurance, physicians life insurance
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...
by Ed Hinerman | Feb 15, 2012 | Anxiety, decline, insurance, life insurance
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....
by Ed Hinerman | Jan 28, 2012 | basal cell carcinoma, cancer, decline, insurance, life insurance, melanoma
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...
by Ed Hinerman | Jan 26, 2012 | Anxiety, decline, Depression, hepatitis, insurance, life insurance
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...
by Ed Hinerman | Jan 4, 2012 | bipolar disorder, decline, insurance, life insurance
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...
by Ed Hinerman | Dec 22, 2011 | Anxiety, bipolar, bipolar disorder, decline, insurance, life insurance
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,...
by Ed Hinerman | Sep 20, 2011 | accidental death, AIG, Civilian War Zone Coverage, decline, hazardous activities, insurance, life insurance, private pilots
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...
by Ed Hinerman | Sep 6, 2011 | bipolar, bipolar disorder, decline, insurance, life insurance, physicians life insurance
A common theme I run into because of the large number of physician life insurance clients I have is the lack of records they have. To a ridiculous end it would be like asking your Mom to produce records for all of the medical care she gave you growing up. With...
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 | 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 | Mar 7, 2011 | decline, insurance, life insurance
Declined life insurance applications leave most clients befuddled and the average agent not knowing what to do next. Was your life insurance declined for a reason that doesn’t make much sense to you? I’ve studied this end of the business pretty...
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....
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!
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