by Ed Hinerman | Jul 6, 2016 | arrythmia, bait and switch, business life insurance, decline, HIV life insurance, HIV Positive, insurance, life insurance
The joke that is HIV+ life insurance underwriting that is. I guess that would be the first joke, that there is in fact underwriting of life insurance applications for those who have HIV+ and have applied for life insurance. The second joke is that they are actually...
by Ed Hinerman | May 20, 2015 | application process, approval, arrythmia, atrial fibrillation, business life insurance, CEO life insurance, decline, doctor's recommendation, heart attack, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
I ran into a client over a year ago who presented me with one of those life insurance scenarios that brings out the gag reflex in even the best of underwriters, one of “those issues” that has been an automatic decline since life insurance was invented, an...
by Ed Hinerman | Feb 9, 2015 | abnormal ekg, abnormal labs, arrythmia, atrial fibrillation, bait and switch, impaired risk life insurance, indexed universal life, insurance quotes, life insurance, life insurance approval, life insurance underwriting
The other guys! That would be most agents and agencies out there who aren’t inclined to ask you to do homework before they provide a life insurance quote, but here’s the deal, if they provide you a quote at all it won’t be as accurate as mine almost...
by Ed Hinerman | Oct 5, 2009 | arrythmia, insurance, life insurance
We’ve talked on a number of occasions about the dreaded abnormal ekg and how doctors and underwriters can have completely different takes on the abnormality, and actually both of them be right, I came across one of the best and most humorous explanations of the...
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 | Oct 16, 2007 | arrythmia, high blood pressure, insurance, life insurance, obesity
I’m not going to hang myself out there by saying that only overweight people have sleep apnea, but there is plenty of evidence to uphold the idea that most cases of obstructive sleep apnea are caused by excess weight or obesity. While central sleep apnea is...
by Ed Hinerman | Jul 12, 2007 | arrythmia, atrial fibrillation, heart attack, heart disease, life insurance
According to the American Heart Association, about 2.2 million Americans have atrial fibrillation, a form of arrhythmia to some degree. It seems like this year about half of them have inquired about life insurance through our office. Like most health issues, life...
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