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For those of you who have read this far, please stick with me because as we’ve all been told, honesty, hard work and perseverance pay off. Well, actually in this case it doesn’t, but stick with this. It is corporate life insurance America at its’ https://hinermangroup.com/blog/insurance/rise-and-fall-of-hiv-life-insurance-part-1/.

So I had written to the president and underwriting director asking them if this attorney really had the authority to essentially put a gag order on me and why this was with the attorney instead of being review at the highest level of underwriting to explain why the life insurance was declined even though the client met all of the underwriting criteria, completely. I didn’t get a reply from the president or the underwriter of XYZ Life insurance, but I did get a love note from the attorney stating,

“Mr. Hinerman,

Despite my specific instructions, you have chosen to communicate with others at XYZ regarding this matter, including our CEO. Accordingly, I will request that your emails be blocked from XYZ’s servers. All future communications should be by letter or facsimile. As a reminder, all communications regarding this matter are to come through me or Joe Blow.”

Well good grief. Still no questions have been answered concerning the underwriting of my client and I not only can’t talk to the underwriter, but the CEO must feel like I pose an imminent threat to their stock since he’s given this CEO wannabe attorney the authority to do whatever is needed to silence me. Now my only communication is to the attorney by fax. So over the course of the next week I sent four faxes and never heard anything back. Then I decided to try his phone and got voice mail so I left a message, kind of a threatening thing basically saying, “all you seem to be doing is building a defense and ignoring my questions, so is my only recourse to hire someone to start building an offense?” He didn’t get any of my faxes but within minutes he sent an email to my associate in Denver calling me a liar. Well, you know it was the attorney form of calling me a liar. A few days later my associate, not me received a termination of contract without cause letter. I still haven’t received one and wouldn’t know XYZ had terminated me if it weren’t for my friend and associate. XYZ hasn’t called, emailed, sent a letter to me or even faxed me anything.

Bottom line. So, I have finally, officially, unequivocally called the HIV traditional life insurance possibility dead. This saddens me because it appears the actuarial evidence is there to back up that possibility. It doesn’t hurt any worse or differently than if a company backed out on their position with type 1 diabetes or heart bypass surgery. I guess what I’m saying is that it doesn’t matter what the impairment is, I want to help and I have built a reputation of telling the truth and at least XYZ Life insurance doesn’t seem to share that same hunger to help. If you have questions or need help with a life insurance application other than HIV+, call or email me directly. My name is Ed Hinerman. Let’s talk.