Get a second opinion from a different life insurance agent. Life insurance companies vary widely in how they perceive and accept risk. It is not unheard of for one company to decline a person and that same person be approved by another company at a great rate. In order to seek and find that approval you need to get a clear answer about why you were declined and be prepared to provide whatever medical information is needed for the new agent to successfully help you. Need more details?
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!
“I thought that most people with bipolar disorder were uninsurable regardless of any other factors. Fortunately, I came across Ed Hinerman’s website and contacted him. Ed was very knowledgeable and clearly very experienced in this area. He patiently explained that I actually had options and helped me get an excellent policy into place. Ed was very professional throughout the entire process and both my wife and I have been thoroughly impressed with him. He really helped our family and I would recommend Ed with great confidence.”
How Depression Affects Life Insurance We live in a country that was anxious, arguably for good reasons, even before the coronavirus pandemic. In a lot of cases anxiety can lead to depression and the severity of the depression is what life insurance companies look at....
Level term life insurance is a type of life insurance that lasts a predetermined number of years (the “term”) and is fairly straightforward. Under a level term life insurance policy, you pay premiums for coverage and the insurer provides a death benefit to your loved...
I wrote this post 4 years ago and there have been changes in business life insurance and specifically the SBA requirements, so here's an update. Hope it helps. All the best. Business Life Insurance Proving Hard To Get? Let's Change That Just because someone is the CEO...
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