by Ed Hinerman | Nov 3, 2020 | decline, life insurance, life insurance approval
I wrote this post 4 years ago today and it could use updating and clarification. So, here I go, on task and laser focused, sort of…All the best. What Does Being Declined Mean? For those applying for life insurance there is nothing more disconcerting and...
by Ed Hinerman | Dec 4, 2019 | decline, life insurance, life insurance approval
Are you blackballed when you are declined for life insurance? In the 18th century blackballing was simply voting using a black versus white ball. In more recent times it came to mean a removing someone from consideration. Being blackballed Is serious stuff no matter...
by Ed Hinerman | Apr 17, 2019 | decline, life insurance
There is nothing quite like being declined for life insurance or even being highly rated when you expected smooth sailing to great rates. Since I make a living turning declined life insurance applications into approved life insurance policies, I can tell you that the...
by Ed Hinerman | Oct 21, 2016 | application process, approval, decline, insurance, life insurance, life insurance approval
Have you ever been declined for life insurance or been treated unfairly in the underwriting process. I’m not talking about being declined with stage 3 colon cancer or not getting the best rate class because you missed the height and weight guideline for that...
by Ed Hinerman | Oct 12, 2016 | decline, insurance, life insurance, non compliance with doctor
Believe me I get that we’re all grownups here and ultimately we are, in spite of our doctor’s opinion, in charge of our own health care. Let me share a personal story and then we’ll see how that looks for the rest of you, especially in relation to...
by Ed Hinerman | Sep 23, 2016 | decline, impaired risk life insurance, insurance, life insurance
How many times have conversations with prospective life insurance clients started with, “I was declined by 1, 2 or even 6 companies so I’m sure I’m not insurable”!! Let me just jump up and say that you aren’t that one life insurance agent...
by Ed Hinerman | Aug 6, 2016 | acts of war or terrorism, Civilian War Zone Coverage, decline, foreign travel, insurance, life insurance
I’m working with husband and wife clients currently that plans on visiting Ukraine in the next few months, albeit Western Ukraine where the lack of action is the norm. So how does life insurance view this? It may not be a once in a life time visit, but it is...
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 | Mar 5, 2016 | application process, approval, bipolar disorder, decline, insurance, life insurance, Medical Information Bureau, no exam, simplified issue life insurance
Let’s give a few minutes to the subject of simplified issue life insurance , aka no exam life insurance. If most life insurance companies ask a litany of health and background questions and require an exam with a full blood and urine workup, how can another ask...
by Ed Hinerman | Mar 1, 2016 | application process, approval, bad customer service, bipolar disorder, CEO life insurance, decline, Independent agent, insurance, life insurance
And with that you have applied for life insurance through Selectquote. What am I signing for?” You’re signing for your life insurance application so just take (in my case) your fat finger and pretend you’re signing your name on this tablet screen...
by Ed Hinerman | Feb 9, 2016 | application process, business life insurance, decline, insurance, life insurance, life insurance exam
I have run into a dearth (something just short of infinity) of people over the last 18 years in life insurance who have decided that getting proper coverage for their business or family is just going to be too much work, or the game will be rigged so that no matter...
by Ed Hinerman | Jan 29, 2016 | application process, approval, bipolar disorder, business life insurance, CEO life insurance, decline, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Ah, the sting of being declined or being rated practically to death when you apply for life insurance. Do they really think you are on death’s door or do they just dislike you personally? Perhaps that life insurance company has a quota that limits the amount of...
by Ed Hinerman | Jan 26, 2016 | ADHD, Anxiety, approval, bipolar disorder, breast cancer, business life insurance, CEO life insurance, compliance, decline, Depression, insurance, life insurance, life insurance approval, physicians life insurance
Now there’s a calming thought. You’re still alive, traumatized from head to toe from a car to moose gathering on the highways of Maine and you’ve made it to the hospital. The doctor and nurse start working and you relax as you know that you are with...
by Ed Hinerman | Sep 15, 2015 | application process, approval, bipolar disorder, breast cancer, cancer, decline, doctor's recommendation, family history, insurance, life insurance, life insurance approval
I am currently shopping for life insurance for a 50 year old nurse who had breast cancer in 2001. She had a lumpectomy and there was “a very small amount of cancer cells” found in one of the sentinel lymph nodes checked. Because of the lymph node she was...
by Ed Hinerman | Aug 20, 2015 | Alcohol Treatment Life Insurance, approval, bipolar disorder, CDT alcohol marker, decline, Drug Treatment Life Insurance, insurance, life insurance
Fresh back from vacation I had to send a potential customer an email explaining that none of the life insurance companies I represent wanted to approve a policy for him. He called a short time later and thanked me for shopping it and then proceeded to eat my face off...
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