by Ed Hinerman | Aug 31, 2007 | cancer, DUI, insurance, life insurance
I am always amazed at the thought process (or lack of) that people go through when we are discussing life insurance application questions. They must think that life insurance underwriters are really not very bright. While I have, on occasion, shared that opinion,...
by Ed Hinerman | Aug 17, 2007 | DUI, insurance, life insurance
I have vivid memories of a DUI accident that I witnessed when I was in my 20’s. 30 years later I can still feel the disbelief that flooded my brain that day as I was crossing the Montana border going north on a four lane highway. I was in the right lane and a...
by Ed Hinerman | Jul 21, 2007 | Alcohol Treatment Life Insurance, Depression, DUI, Independent agent, insurance, life insurance
Clients are always surprised that their alcohol use can be an underwriting issue. Whether a person has been through alcohol treatment, has had a DUI, or just consumes higher than average amounts of alcohol, they present an underwriting challenge on more than one...
by Ed Hinerman | Jun 19, 2007 | DUI, Independent agent, insurance, life insurance
I am often asked why I need to know someone’s driver’s license number when they are applying for life insurance. “What’s that got to do with it”? Life insurance companies have found a glance at a motor vehicle report to be helpful in...
by Ed Hinerman | May 8, 2007 | cancer, coronary artery disease (CAD), diabetes, Drug Treatment Life Insurance, DUI, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
I just read a blog by Jen Creer on www. thediabetesblog.com about teens using the internet as a resource to self educate about their type 1 and type 2 diabetes. Teens (and adults) found out more about the disease, and how to monitor and control it. They found...
by Ed Hinerman | Apr 11, 2007 | Addiction Treatment life insurance, Drug Treatment Life Insurance, DUI, Independent agent, insurance, life insurance, liver functions, private pilots
No there’s a couple of items there that are taken very seriously by life insurance underwriters. During an initial interview with a good independent agent they are going to ask about any history of alcohol abuse, treatment for alcohol or drug abuse and any...
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