by Ed Hinerman | Feb 2, 2010 | insurance, life insurance
Sometimes I get the sense that doctors are very careful about making their patients uneasy for fear they will run off and get a second opinion and forget to pay for the first one. I have a client who had an echocardiogram last year and one of the results that was...
by Ed Hinerman | Nov 13, 2009 | insurance, life insurance, Sleep apnea
So, you applied for life insurance and have been postponed or declined because you didn’t complete some, for instance a sleep study test your doctor recommended! Want a second opinion? Don’t waste your time. You’ll get the same answer at the next...
by Ed Hinerman | Sep 22, 2009 | insurance, life insurance, obesity
I had a client just recently who works for State Farm as a claims adjuster and was declined for life insurance by to them due to his obesity. He’s 6’1, 415 pounds. I shouldn’t get down on State Farm over this since by most life insurance company...
by Ed Hinerman | Sep 21, 2009 | diabetes, insurance, life insurance, Type 1 diabetes
Back in mid July I started working on a life insurance case for a young man with type 1 diabetes. He had already discovered how easy it is to find a company to decline him, but the picture he painted was not one that led to a logical decline. He had the same strikes...
by Ed Hinerman | Aug 27, 2009 | decline, insurance, life insurance
My wife is a nurse and I’ve often fussed with her about how inaccurate medical records can be. She doesn’t disagree with the general poor condition of medical records, but offered up the medical community’s offense as their defense. When she was...
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 | 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...
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