by Ed Hinerman | Dec 1, 2011 | Biggest Loser, diabetes, heart disease, insurance, life insurance, obesity
There is probably no one more prevalent issue that affects life insurance underwriting more than weight. With 30+% of our country meeting the criteria for being obese, face it, every application we get has a 1 in 3 chance of build and BMI being an underwriting issue....
by Ed Hinerman | Oct 12, 2011 | blood pressure, cholesterol, insurance, life insurance
It’s been a long time since most insurance made any kind of fuss over being treated for cholesterol. As long as it was well controlled you could count on best rate class approvals. Now companies have jumped on the cholesterol ratio band wagon and are allowing...
by Ed Hinerman | Apr 20, 2010 | insurance, life insurance
I’ve often talked about the good old days of life insurance. Good for the clients. Good for the agents and the companies too, and not all that long ago. It was a time when companies had the freedom to compete for business even when it involved policies that were...
by Ed Hinerman | Jan 11, 2010 | insurance, life insurance
Genworth Life, the former First Colony branch of GE Financial slipped under the radar of a lot of us in the business with a major change in their build chart. The new chart was actually released in late October but really didn’t start getting any attention until...
by Ed Hinerman | Oct 20, 2009 | insurance, life insurance
We got a preferred rate approval on a client today. This is a client who had come to me after feeling, well, jerked around and lied to by Selectquote. The Selectquote agent who worked with this client was all about banging out an approval and moving on to the next...
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 | Sep 8, 2009 | insurance, life insurance
I wrote a post on September 2 concerning a client who had a bad experience in attempting to get life insurance through Selectquote. He emailed to provide more details and one of those details was a misunderstanding of mine that I want to correct. I had indicated that...
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