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 27, 2015 | application process, attending physician statement, insurance, life insurance, medical record acquisition, medical records life insurance
This is definitely one of those OMG moments. This is almost like being in the Navy for 20 years and just figuring out that the bow is the pointy part of the ship. I’ve had a few cases lately where doctors have been MIA for their patients that are applying for...
by Ed Hinerman | May 20, 2015 | ADHD, Anxiety, approval, Attention Deficit Disorder, bipolar, bipolar disorder, CEO life insurance, Depression, impaired risk life insurance, insurance, life insurance, life insurance approval, mood disorder life insurance, physicians life insurance
It’s been a long time since I addressed the topic of the beating that professionals, from physicians to attorneys to CEO’s take on life insurance if they have ever even been suspected of having a mood disorder. The way life insurance underwriting jumps all...
by Ed Hinerman | May 20, 2015 | application process, approval, arrythmia, atrial fibrillation, business life insurance, CEO life insurance, decline, doctor's recommendation, heart attack, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
I ran into a client over a year ago who presented me with one of those life insurance scenarios that brings out the gag reflex in even the best of underwriters, one of “those issues” that has been an automatic decline since life insurance was invented, an...
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 | May 5, 2015 | approval, cancer, decline, insurance, life insurance, life insurance approval, life insurance underwriting, melanoma
I first wrote this post in 2015. Melanoma is the deadliest of skin cancers, but for those who catch it early it is curable. More life insurance companies have opened to the idea of approving policies when clients have low stage melanoma, so time to update. Hope this...
by Ed Hinerman | May 5, 2015 | bipolar, bipolar disorder, business life insurance, CEO life insurance, decline, Depression, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
So we’re all familiar with the manic and depressive swings that are the hall mark of bipolar disorder. Some are subtle and manifest as people that work like crazy and then need down time to recover. The more severe bipolar manifestations are manic on the out of...
by Ed Hinerman | Apr 24, 2015 | application process, approval, decline, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
Fool me once, shame on you! Fool me twice, shame on me! A rolling stone gathers no moss! A stitch in time saves nine??? Remember me? The foolish life insurance agent who yelled wolf in HIV clothing last year leaving a lot of people ticked at me when the underwriters...
by Ed Hinerman | Apr 8, 2015 | business life insurance, buy/sell life insurance, CEO life insurance, executives, high net worth, insurable interest, insurance, International Business insurance, key man insurance, life insurance
In all seriousness I hope you don’t ask yourself that question after the fact. Whether you are the President of the company or on the Board of Directors, or the Janitor you should know that the death of the CEO of a company can pass one of two ways, 1. Planned...
by Ed Hinerman | Apr 6, 2015 | accelerated death benefit, bad customer service, beneficiary, claim, customer service, honesty, insurance, life insurance, life insurance claim
Voya Insurance, aka Reliastar Insurance, aka ING Reliastar, long one of the most boring companies in the life insurance business, has finally stepped out and away from the crowd. They couldn’t do it with products or underwriting, but they took aim at what every...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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