by Ed Hinerman | Apr 3, 2009 | beneficiary, death benefit, decline, Independent agent, insurance, life insurance, term insurance, whole life
Amazing to me the number of people who die with life insurance in force and who spaced out two little details, telling someone that there is insurance and telling them where to find the policy. Because our batting average is less than 100% for turning contacts into in...
by Ed Hinerman | Mar 30, 2009 | asthma, bipolar, bipolar disorder, blood pressure, cancer, decline, diabetes, high blood pressure, Independent agent, insurance, life insurance, mortality, mortality risk, prostate cancer, Type 2 diabetes
It’s just a bad feeling when a life insurance company declines to offer you coverage. They don’t want to accept the mortality risk!! Do they think you’re dying? Is there something your doctor isn’t telling you? Will you ever be able to get life...
by Ed Hinerman | Mar 13, 2009 | blood pressure, cholesterol, COPD, decline, diabetes, gastric bypass, heart attack, high blood pressure, insurance, life insurance, obesity, smoking, stroke
One of the key life insurance underwriting factors for just about any health or mental health issue is compliance with treatment and avoidance of other risk factors and collateral health issues. Compliance is taking medication prescribed exactly as it’s...
by Ed Hinerman | Feb 2, 2009 | blood pressure, decline, high blood pressure, insurance, life insurance, mortality, PSA, stroke, term insurance
The trend never seems to end. Men especially aren’t real keen on regular checkups with their doctors and have this almost childlike view of mortality. They’re sure people get sick and die, but it’s certainly not them or anyone remotely close to their...
by Ed Hinerman | Jan 3, 2009 | angioplasty, decline, heart attack, heart disease, smoking
I think on some level we all carry a bit of denial along with us. It’s probably a chromosomal kind of thing, like there are x, y, z and denial chromosomes. Unfortunately for those most affected by denial there is bad news from life insurance underwriters....
by Ed Hinerman | Nov 17, 2008 | Anxiety, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance, seizure disorder
Still fresh in my mind is the story a client related to me about her experience of being declined for life insurance due to bipolar disorder. This was news to her since she didn’t have bipolar disorder. In talking through the situation with her she did bring up...
by Ed Hinerman | Oct 31, 2008 | decline, diabetes, heart disease, obesity, Type 2 diabetes
Type 2 diabetes is one of those anomalies, like obesity (which happens to be the leading cause), where there seems to be an aversion to calling it what it is, an epidemic. It reminds me a bit of the economic situation in our country and the aversion to using the word...
by Ed Hinerman | Oct 29, 2008 | angioplasty, decline, diabetes, heart attack, Independent agent, insurance, life insurance
You don’t buy life insurance, rather, you apply for it. Because there is an application there should be a common understanding that there is a chance that your application will be rejected. The industry term is decline. While declines are far more the exception...
by Ed Hinerman | Oct 29, 2008 | decline, hepatitis, Independent agent, insurance, life insurance, liver functions
Well, no…..or maybe yes……it all really depends. I hope this information has been helpful. Seriously though, underwriting of Hepatitis C really comes down to a few key factors. First, is the disease in remission and second, how much damage has the...
by Ed Hinerman | Oct 15, 2008 | bipolar disorder, decline, Depression, insurance, life insurance, seizure disorder
What kind of an insane question is that? Let me try a few commonalities that probably come to mind if you have bipolar and and have applied for life insurance. How about….all life insurance underwriters think bipolar disorder is a perfectly good reason to...
by Ed Hinerman | Oct 7, 2008 | blood pressure, cancer, decline, diabetes, Fat March, heart disease, high blood pressure, Independent agent, insurance, Juvenile life insurance, life insurance, obesity, stroke, term insurance, universal life
If you talk to most life insurance applicants who fall into the obese or morbidly obese categories according the their BMI, they have usually been told that they aren’t insurable or that the prices are so high as to render uninsurable because they can’t...
by Ed Hinerman | Oct 6, 2008 | decline, diabetes, Independent agent, insurance, Type 1 diabetes, Type 2 diabetes
Talk about a topic that has changed with the wind over the years, diabetes underwriting would be that animal. There was a time not all that long ago, at least if you’re my age, that diabetes was treated by most companies with a swift decline and by the few that...
by Ed Hinerman | Sep 30, 2008 | cancer, decline, heart attack, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea
Well, duh! Of course you do, but the good news is that you don’t have to be breathing all the time. After all, sleep apnea could be loosely described as periods of not breathing during sleep. Sleep apnea is one of those health issues that life insurance...
by Ed Hinerman | Aug 27, 2008 | arrythmia, cancer, decline, diabetes, heart disease, Independent agent, insurance, life insurance
I feel like a myth buster today. I was speaking with a woman today who made it very clear that she didn’t want to apply for life insurance if there was a chance she would be declined. Here reason is that life insurance applications ask if you’ve ever been...
by Ed Hinerman | Jul 12, 2008 | decline, epilepsy, Independent agent, insurance, life insurance, seizure disorder
Whether it is epilepsy or another seizure disorder, the diagnosis is not necessarily a dead end for life insurance approvals. The key to approval and reasonable rates is control. Seizure disorder is another one of those life insurance issues that evokes a knee jerk...
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