by Ed Hinerman | Dec 22, 2015 | application process, approval, bipolar disorder, cholesterol, family history, height and weight, insurance, lab results, life insurance
I decided to dust off my keyboard today and talk just a little bit about why this blog and my opinions on life insurance underwriting have hit home, struck deep, rang the bell and put life insurance back on the table for so many who are able to translate and follow my...
by Ed Hinerman | Aug 5, 2015 | abnormal labs, approval, bait and switch, bipolar disorder, height and weight, impaired risk life insurance, Independent agent, insurance, lab results, life insurance, lifetime guaranteed UL, medical record acquisition
I just wanted to share a few examples of why it’s important to shop every impaired risk life insurance application for sure and not a bad idea to shop all cases. I’ve beat on this over the years because so many life insurance agents out there are willing...
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 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 | Oct 8, 2013 | approval, HIV Positive, insurance, lab results, life insurance, life insurance approval
So we’ve rounded the corner where we know we have life insurance carriers that will approve up to $1mm of life insurance, both term and permanent with life insurance underwriting guidelines that are custom made for just applicants who are HIV Positive. So you...
by Ed Hinerman | Sep 13, 2013 | BMI, impaired risk life insurance, insurance, lab results, life insurance, life insurance approval, mortality, mortality risk
Not long ago I went on a tear about American General’s use of the CRL Lab’s proprietary laboratory analyzing methodology called “Smart Score”. The blasting cap for that little tiff was a case that American General declined, obviously using the Smart Score numbers to...
Recent Comments