by Ed Hinerman | Sep 5, 2013 | application process, compliance, decline, Depression, insurance, life insurance, life insurance approval
There is a tendency with a lot of people to get a little road weary with a long term treatment plan and take off in our own direction. I am guilty as charged of that and just like I advise my clients, I have a little homework to do before I apply for a life insurance...
by Ed Hinerman | Sep 3, 2013 | A1c, diabetes, insurance, insurance quotes, life insurance, life insurance approval
One of my pet peeves with life insurance companies is that some are too slow and some are way too fast at issuing life insurance policies once approved. And why would I be whining about companies that move that paperwork right out the door? If the policy is approved...
by Ed Hinerman | Aug 29, 2013 | approval, bipolar, bipolar disorder, insurance, life insurance, life insurance approval
For as long as I’ve been writing about and helping people get a fair shake on life insurance with mood disorders, among those requirements for the best rates has been stability. Mood disorders that aren’t well controlled can ruin careers and marriages....
by Ed Hinerman | Aug 21, 2013 | Anxiety, approval, assumptions, bipolar disorder, CEO life insurance, Depression, insurance, life insurance, life insurance approval, life insurance claim
While I believe it would be characterized as mild, there seems to be quite a bit of evidence pointing to the fact that most life insurance companies have gone through a manic period of underwriting mood disorders. For the past several years depression, anxiety and...
by Ed Hinerman | Aug 20, 2013 | AIG, application process, customer service, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
There are some trends in the life insurance industry that occasionally make me wonder if we are glimpsing the future of the business, or are we already there? If life insurance companies could figure out how to get as much business without the use of commission paid...
by Ed Hinerman | Aug 14, 2013 | A1c, approval, BMI, impaired risk life insurance, insurance, life insurance, life insurance approval, mortality, mortality risk
As related in a post yesterday which was a follow up on a previous post concerning the American General use of the CRL Labs Smart Score methodology for underwriting, I have breaking developments. After being rebuffed by CRL, being told that they couldn’t tell me...
by Ed Hinerman | Jul 24, 2013 | approval, decline, diabetes, impaired risk life insurance, insurance, life insurance, life insurance approval
I still own the domain name “You Just Can’t Fix Stupid.com” and this is one of those days when I would like to dust it off and go live with it. The new American General Life Insurance “Smart Score” underwriting system has just recently...
by Ed Hinerman | Jun 28, 2013 | insurance, life insurance, life insurance approval, pilot, private pilots
With nearly a quarter of my clients being commercial and private pilots I thought I had worked my way through all of the obvious mistakes in pilot life insurance underwriting, but I missed one this week. In the end no harm, no foul as I can move it to another company...
by Ed Hinerman | Jun 25, 2013 | Active Duty Military Life Insurance, application process, family history, insurance, insurance quotes, life insurance, life insurance approval, Met Life, military
Me pass up an opportunity to question a life insurance company stance at the very core of its’ self proclaimed heart? Not on your life or over my dead body. USAA and MetLife are the self proclaimed most patriotic life insurance companies in the country. They...
by Ed Hinerman | Jun 13, 2013 | approval, Banner Life, decline, impaired risk life insurance, insurance, life insurance, life insurance approval
Time to play life insurance underwriting, truth or lie? I want to launch into this stating that I don’t advocate lying on life insurance applications for two reasons, well, two main reasons. First, withholding relevant underwriting information if you get away...
by Ed Hinerman | Jun 6, 2013 | approval, death benefit, decline, guaranteed issue life insurance, insurance, life insurance, life insurance approval
Unlike Obamacare’s fines, er, taxes, er penalties, there is no penalty for not having life insurance while you’re alive and if you believe that once the lights go out you’re done, there’s no reason to worry about after your death. The risk...
by Ed Hinerman | Jun 6, 2013 | application process, approval, BMI, final expense life insurance, guaranteed issue life insurance, impaired risk life insurance, insurance, life insurance, life insurance approval, no exam
Allow me to blow right by all of the internet clutter of $12 a month for $500,000 of life insurance. There is no question that those are low rates even though they are enticing unknowing young clients with prices for 10 year term insurance, a completely inappropriate...
by Ed Hinerman | Jun 4, 2013 | approval, bipolar disorder, insurance, life insurance, life insurance approval, Type 1 diabetes
Years ago I put out lists of criteria for different life insurance impairments, lists that were designed as a template, as guidelines for what it takes to get approved by the more progressive impaired risk life insurance companies. What I’ve found is that it...
by Ed Hinerman | Apr 16, 2013 | Alcohol Treatment Life Insurance, CEO life insurance, decline, executives, insurance, life insurance, life insurance approval
The mega agencies online are really starting to make us life insurance agents who take our time and try to do a good job look like we’re part of a clueless industry. I had an Intelliquote former client (declined last week) call today and tell me that he just...
by Ed Hinerman | Mar 5, 2013 | approval, breast cancer, cancer, decline, impaired risk life insurance, insurance, life insurance, life insurance approval
There are some things, things medical, mental and lifestyle, that some insurance companies may never let go of. 15 or 20 years after the fact it is entirely possible that there are companies that will unflinchingly say no thanks to your life insurance business even...
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