by Ed Hinerman | Nov 17, 2008 | Anxiety, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance, seizure disorder
Still fresh in my mind is the story a client related to me about her experience of being declined for life insurance due to bipolar disorder. This was news to her since she didn’t have bipolar disorder. In talking through the situation with her she did bring up...
by Ed Hinerman | Oct 31, 2008 | decline, diabetes, heart disease, obesity, Type 2 diabetes
Type 2 diabetes is one of those anomalies, like obesity (which happens to be the leading cause), where there seems to be an aversion to calling it what it is, an epidemic. It reminds me a bit of the economic situation in our country and the aversion to using the word...
by Ed Hinerman | Oct 29, 2008 | angioplasty, decline, diabetes, heart attack, Independent agent, insurance, life insurance
You don’t buy life insurance, rather, you apply for it. Because there is an application there should be a common understanding that there is a chance that your application will be rejected. The industry term is decline. While declines are far more the exception...
by Ed Hinerman | Oct 29, 2008 | decline, hepatitis, Independent agent, insurance, life insurance, liver functions
Well, no…..or maybe yes……it all really depends. I hope this information has been helpful. Seriously though, underwriting of Hepatitis C really comes down to a few key factors. First, is the disease in remission and second, how much damage has the...
by Ed Hinerman | Oct 15, 2008 | bipolar disorder, decline, Depression, insurance, life insurance, seizure disorder
What kind of an insane question is that? Let me try a few commonalities that probably come to mind if you have bipolar and and have applied for life insurance. How about….all life insurance underwriters think bipolar disorder is a perfectly good reason to...
by Ed Hinerman | Oct 7, 2008 | blood pressure, cancer, decline, diabetes, Fat March, heart disease, high blood pressure, Independent agent, insurance, Juvenile life insurance, life insurance, obesity, stroke, term insurance, universal life
If you talk to most life insurance applicants who fall into the obese or morbidly obese categories according the their BMI, they have usually been told that they aren’t insurable or that the prices are so high as to render uninsurable because they can’t...
by Ed Hinerman | Oct 6, 2008 | decline, diabetes, Independent agent, insurance, Type 1 diabetes, Type 2 diabetes
Talk about a topic that has changed with the wind over the years, diabetes underwriting would be that animal. There was a time not all that long ago, at least if you’re my age, that diabetes was treated by most companies with a swift decline and by the few that...
by Ed Hinerman | Sep 30, 2008 | cancer, decline, heart attack, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea
Well, duh! Of course you do, but the good news is that you don’t have to be breathing all the time. After all, sleep apnea could be loosely described as periods of not breathing during sleep. Sleep apnea is one of those health issues that life insurance...
by Ed Hinerman | Aug 27, 2008 | arrythmia, cancer, decline, diabetes, heart disease, Independent agent, insurance, life insurance
I feel like a myth buster today. I was speaking with a woman today who made it very clear that she didn’t want to apply for life insurance if there was a chance she would be declined. Here reason is that life insurance applications ask if you’ve ever been...
by Ed Hinerman | Jul 12, 2008 | decline, epilepsy, Independent agent, insurance, life insurance, seizure disorder
Whether it is epilepsy or another seizure disorder, the diagnosis is not necessarily a dead end for life insurance approvals. The key to approval and reasonable rates is control. Seizure disorder is another one of those life insurance issues that evokes a knee jerk...
by Ed Hinerman | Jul 12, 2008 | bipolar disorder, decline, Independent agent, insurance, life insurance
The amount of misinformation, or overblown information concerning bipolar disorder is troubling especially to those who are trying to overcome the stigma in their lives and in quests such as trying to apply for life insurance. Bipolar disorder, for many, conjures up...
by Ed Hinerman | Jun 26, 2008 | Anxiety, Attention Deficit Disorder, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance
As we’ve discussed many times, good life insurance rates are available if you have bipolar disorder if you meet certain criteria, underwriting guidelines. For the purposes of underwriting, while the companies may call them guidelines, assume they are rules. You...
by Ed Hinerman | Jun 11, 2008 | cancer, coronary artery disease (CAD), decline, diabetes, hepatitis, Independent agent, insurance, life insurance, prostate cancer
When you apply for life insurance it is not a given that you will get what you want or what you believe you deserve. By far the majority of policies are approved with no surprises. A smaller percentage are approved but at a different rate. And a small percentage are...
by Ed Hinerman | Mar 26, 2008 | decline, insurance, life insurance
Probably one of the most common misconceptions about life insurance and the application process has to do with how a decline from one company will impact another application. Clients often worry about the fact that virtually all life insurance applications ask whether...
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