by Ed Hinerman | Sep 22, 2009 | insurance, life insurance, liver functions
An extremely common cause for the derailment of a life insurance application is an elevated liver function test (LFT) on the life insurance labs. This can result in an unexpected (and unwanted) butt kicking when you had no idea that there was anything going on. To...
by Ed Hinerman | Sep 10, 2009 | bait and switch, insurance, life insurance
I called a client of mine the other day because not too long after I had done an annual review of his term life insurance coverage I received a notice that he had applied with another company and was considering replacing the policy he had through me. Now I really...
by Ed Hinerman | Aug 31, 2009 | bipolar disorder, insurance, life insurance
Another bipolar disorder success today. A client I have been working with who applied with State Farm and USAA and received highly rated offers from both was able to get a standard rate through one of our better carriers, more than cutting in half his potential life...
by Ed Hinerman | Aug 28, 2009 | bipolar disorder, insurance, life insurance
With life insurance underwriting of bipolar disorder we have been very successful in placing affordable policies with clients who meet some basic criteria that I’ve shared a number of times. In this list is implied stability, stability, stability. 1. Someone who...
by Ed Hinerman | Aug 19, 2009 | bipolar disorder, Depression, insurance, life insurance
I’ve written a lot about mood disorders, especially depression over the years. The truth is that depending on the life insurance company, any particular disorder can have an underwriting reaction that can vary all the way from preferred rate classes to declines....
by Ed Hinerman | Aug 12, 2009 | bipolar disorder, insurance, life insurance
Back “in the day” families had an insurance agent. It really didn’t matter what type of insurance they needed. If they wanted auto, homeowners, health, life, disability income or anything else, they went to the family agent. In most cases the agent...
by Ed Hinerman | Jul 24, 2009 | bipolar disorder, insurance, life insurance
We have come a long way in the past few years in finding the right companies with the right underwriters to be able to truly reach out and help those with bipolar disorder get affordable life insurance. We will likely never get to the point of being able to help those...
by Ed Hinerman | Jul 21, 2009 | insurance, life insurance, mortality risk
I have often talked about the need, when you have health issues or a health history, to do your homework and make sure you find an independent life insurance agent who understands your health challenge and also understands what companies to go to and what companies to...
by Ed Hinerman | Jul 16, 2009 | diabetes, insurance, life insurance, Type 1 diabetes
I wrote a few posts ago about the challenges of finding fair rates on life insurance for type 1 diabetes and mentioned that I was currently shopping a case that I would share the results on. Because of it’s early onset and inherently higher mortality risk with...
by Ed Hinerman | Jul 14, 2009 | bipolar disorder, Depression, insurance, life insurance
Some life insurance underwriters are easily frightened. It really seems they are too busy “underwriting” to really study the cases they are considering and when they are drawn out of their comfort zone, well, they just go screaming into the dark. I wrote...
by Ed Hinerman | Jul 8, 2009 | bipolar, bipolar disorder, insurance, life insurance
To be completely candid and fair when I write about life insurance and mood disorders, mostly bipolar disorder, I have always included a kind of check list on what underwriters do and don’t want to see. I do this……. 1. Someone who has not been...
by Ed Hinerman | Jul 6, 2009 | insurance, life insurance, smoking
Life insurance has this whole little underwriting niche that comes under the heading of lifestyle. It’s not about health or family history and it’s not about your lab results, it’s about, well, your personal life. Probably the most common lifestyle...
by Ed Hinerman | Jun 30, 2009 | insurance, life insurance, women
There is a misconception about the life insurance underwriting stance on applications during pregnancy. For the most part, at least during the first two trimesters companies don’t have any issues with approving applications. The tricky part comes in the third...
by Ed Hinerman | Jun 29, 2009 | bipolar disorder, insurance, life insurance
Just recently I was helping a client with bipolar disorder get life insurance for his young family. He had been declined before and told me that he wanted $500,000 of term insurance. After shopping the case we got an offer of potential preferred best rates from one...
by Ed Hinerman | Jun 23, 2009 | insurance, life insurance, private pilots
Behind every good man is a good woman the saying goes. That’s certainly true in my life. Also, behind every successful impaired risk life insurance agent is a talented, well connected General Agent. Impaired risk is an industry term that covers the full spectrum...
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