by Ed Hinerman | Apr 16, 2019 | life insurance
Experience gets done what lack of understanding can’t This is, as promised, another in a series of posts that address the difference that the quality of a life insurance agent can make when you decide it’s time to move forward with fulfilling your family...
by Ed Hinerman | Nov 4, 2013 | approval, decline, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
I’ve said often enough to be considered redundant beyond reproach that a decline for life insurance is a good place to start. The thing about a decline is it flushes out all of the details that might have simply not been understood or forgotten by the client and...
by Ed Hinerman | Aug 29, 2013 | approval, bipolar, bipolar disorder, insurance, life insurance, life insurance approval
For as long as I’ve been writing about and helping people get a fair shake on life insurance with mood disorders, among those requirements for the best rates has been stability. Mood disorders that aren’t well controlled can ruin careers and marriages....
by Ed Hinerman | Nov 6, 2012 | approval, bipolar, bipolar disorder, decline, executives, impaired risk life insurance, insurance, life insurance
I am more amazed every day at the huge misconception there seems to be in our country about the face of bipolar disorder and what it most certainly means when it comes to trying to be approved for life insurance. To give you a sense where most life insurance companies...
by Ed Hinerman | Sep 25, 2012 | approval, family history, insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, reconsideration
Life insurance company reconsiderations are thrown about the industry like the success of them is common place and they are for all intents and purposes, a shoe in. The kind of reconsideration I’m talking about is when a smoker becomes a non smoker, someone with...
by Ed Hinerman | Feb 28, 2012 | Alcohol Treatment Life Insurance, decline, diabetes, Drug Treatment Life Insurance, insurance, life insurance, prostate cancer
I got an email from a life insurance agent today asking me if I could recommend a guaranteed issue life insurance company in Massachusetts. He indicated that he had run into several clients that were uninsurable and wanted to find the best company to write graded...
by Ed Hinerman | Mar 7, 2011 | decline, insurance, life insurance
Declined life insurance applications leave most clients befuddled and the average agent not knowing what to do next. Was your life insurance declined for a reason that doesn’t make much sense to you? I’ve studied this end of the business pretty...
by Ed Hinerman | Mar 3, 2011 | bipolar, bipolar disorder, insurance, life insurance
I want to preface this post by saying I am not making light of any problems that Charlie Sheen may be having or any mental issues that he is dealing with. Nor am I judging him. There was a suggestion made in one interview that he might have bipolar disorder which he...
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