by Ed Hinerman | Dec 10, 2013 | Alcohol Treatment Life Insurance, approval, CEO life insurance, impaired risk life insurance, insurance, insurance quotes, life insurance, life insurance approval, life insurance underwriting
One of those set in stone rules that we have lived with for years in life insurance underwriting just got a new look and possibly a question that may not make the answer as black and white as most underwriters would like it to be. I am currently shopping a case where...
by Ed Hinerman | Apr 11, 2012 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance, physicians life insurance
While hardly a problem that is restricted to people in the medical fields, simply based on the number of physicians and dentists I have worked with over the past few years, it seems their easy access to the drugs and or ability to write prescriptions is a growing...
by Ed Hinerman | Aug 23, 2011 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance
I’m currently working on a life insurance case where the client, a physician, sought and completed treatment 4 years ago for prescription drug abuse. We shopped this last year and got an offer from Banner Life. The case was declined in underwriting because they...
by Ed Hinerman | Aug 21, 2010 | insurance, life insurance, liver functions
Liver function tests have been the nemesis of life insurance underwriting for as long as I’ve been in the business and the source of a tremendous number of unfair ratings and declines on applications. Because of a long held leap of assumption that elevated liver...
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