by Ed Hinerman | Jan 17, 2013 | epilepsy, insurance, insurance quotes, life insurance, life insurance approval, seizure disorder
I’ve spent significant time in my career in life insurance explaining to clients and potential clients the difference between what an underwriter says and what their doctor has told them. They are often two starkly different opinions and it creates confusion...
by Ed Hinerman | May 13, 2009 | epilepsy, life insurance, seizure disorder
With most life insurance agents and most life insurance company underwriters, the mere mention of a history of seizure disorders or epilepsy is enough to bring the conversation and the application to a screaming halt. Not unlike a lot of the less common health issues,...
by Ed Hinerman | Jan 31, 2009 | cancer, children's life insurance, diabetes, epilepsy, insurance, life insurance, Type 1 diabetes
The whole subject of life insurance on children has a certain “yuk” factor that comes with it. Parents, even those who would be hard pressed to deal financially with the loss of a child, would really prefer not to talk about it. I would like to throw out...
by Ed Hinerman | Jul 28, 2008 | bipolar disorder, diabetes, epilepsy, heart disease, Independent agent, insurance, life insurance
I’ve mentioned many times that the large internet agencies are well equipped to pursue and sell the younger age, completely healthy market. It is, for them, an uncomplicated and easy way to keep the cash flowing. It is much quicker and easier than dealing with...
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...
by Ed Hinerman | Jun 6, 2008 | diabetes, epilepsy, heart disease, insurance, key man insurance, liver functions, long term care, obesity, return of premium term insurance, universal life
There is a common misconception that has floated around for the past 100 years or so of my life that if a person has cardiac problems, a heart attack, or coronary artery disease (CAD) requiring heart bypass surgery or an angioplasty, they are irreparably damaged in...
by Ed Hinerman | Apr 14, 2008 | Anxiety, bipolar disorder, Depression, diabetes, epilepsy, heart disease, insurance, life insurance
I wouldn’t presume to beat a dead horse, but so seldom is there any significant shift in life insurance underwriting that it bears as much good press as it can stand. While life insurance companies have, for a long time, been fairly tolerant of mild situational...
by Ed Hinerman | Feb 19, 2008 | bipolar disorder, diabetes, epilepsy, heart disease, high blood pressure, hypertension, Independent agent, insurance, life insurance
As the word sneaks out a little further each day, I have more and more people contacting me and asking if it’s true. Can they get life insurance at affordable rates even though they have bipolar disorder? I wish I could claim that the answer is unequivocally...
by Ed Hinerman | Dec 26, 2007 | bipolar disorder, breast cancer, cancer, diabetes, epilepsy, heart attack, heart disease, insurance, life insurance, prostate cancer, Type 1 diabetes, Type 2 diabetes
I just did a quick gut check on my blogging efforts over the past year. Who really cares about what I believe and what I know about life insurance? Who reads this and really believes that I can do what I claim? I have had more than just a little interest in weblogs...
by Ed Hinerman | Sep 7, 2007 | cancer, epilepsy, guaranteed issue life insurance, insurance, private pilots
We’ve all heard some version of the story. A life insurance policy with an exclusion for anyone that dies if they are hit by a bus while wearing a green shirt on a Wednesday during August. Actually if the price was good, I would take that one. Don’t...
by Ed Hinerman | Apr 5, 2007 | cancer, coronary artery disease (CAD), epilepsy, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
If I were speaking to an auditorium full of people, a specially selected audience, all of whom had type 1 or type 2 diabetes, or epilepsy, and I asked for a show of hands for everyone who had tried to buy life insurance since their diagnosis, likely I would see a...
by Ed Hinerman | Apr 3, 2007 | cholesterol, coronary artery disease (CAD), epilepsy, Independent agent, insurance, life insurance, seizure disorder, Type 1 diabetes, Type 2 diabetes
If you told a life insurance agent that you have a seizure disorder or epilepsy, and have they told you are uninsurable without asking more questions, take them off your Christmas card list. They are, not unlike most of their fellow agents, ignorant of the disorder...
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