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By Ed Hinerman on May 2, 2013
I know what drives the reaction, the knee jerk response of applying to every insurance company who will accept an application. It’s a desperation that grows out of a declined life insurance application and the idea that the more people you get your information in front of, the better the chance that you will find ...read more
Posted in application process, approval, decline, impaired risk life insurance, insurance, insurance quotes, life insurance | Tagged acquisition of medical records, application process, declined, declined and applied with 8 companies, exams, insurance, life insurance, MIB, MIB activity, multiple applications, multiple exams, shop cases for fairest hearing, shotgun approach, waste of money, waste of time |
By Ed Hinerman on January 17, 2013
I’ve spent significant time in my career in life insurance explaining to clients and potential clients the difference between what an underwriter says and what their doctor has told them. They are often two starkly different opinions and it creates confusion when your doctor says you have the heart of a 30 year old (preferred ...read more
Posted in epilepsy, insurance, insurance quotes, life insurance, life insurance approval, seizure disorder | Tagged anti seizure medication, insurance, life insurance, life insurance medical directors, life insurance standard rate, life insurance underwriting, over 50 life insurance, over 60 life insurance, seizure disorder, standard rate average, underwriters are stupid |
By Ed Hinerman on November 19, 2012
This is one of these subjects that goes in several directions. Your doctor’s opinion can help you get the best possible life insurance rate. It can also bring your life insurance application to a screeching halt and if it ever comes down to who is right, the underwriter or your doctor, the answer can confound ...read more
Posted in compliance, insurance, insurance quotes, life insurance, life insurance approval, mortality, mortality risk | Tagged discussion about mortality, doctor's opinion, doctor's opinion can help, doctors make you feel better, doctors treat you, doesn't make sense, insurance, life insurance, life insurance underwriter, lung cancer, mortality, nothing to worry about, paying twice as much for life insurance, poor compliance, poor control, second opinion, smoking, underwriter thinks I'm dying, write cover letters, you aren't paying attention to doctor
By Ed Hinerman on October 10, 2012
The CEO of a Denver based company contacted me today. He was shopping for life insurance and because he was a private pilot with almost no current flight time, as in none for 4 years, he was getting quotes that were through the roof. When you need millions in life insurance and companies want to ...read more
Posted in customer service, decline, executives, financial adviser, insurance, insurance quotes, life insurance, life insurance approval, term insurance | Tagged all quoted new insurance, buy/sell policy, buyer beware, ceo life insurance, conversion, gap in rate classes, insurance, life insurance, no current flight time, permanent less expensive than term, pilot, private pilot, wanted to replace, wasn't the right time to buy, wrong advice, wrong advice to make a buck |
By Ed Hinerman on October 6, 2012
I had an experience with Direct TV yesterday that left me wondering if there is anyone left in this country that truly cares about their customers. I definitely understood by the end of the four hour ordeal, that, and this is from Chase Carey’s secretary, “we have 19 million customers and no matter how bad ...read more
Posted in bait and switch, customer service, honesty, Independent agent, insurance, insurance quotes, life insurance, life insurance approval | Tagged agents say whatever it takes, bad life insurance experiences, bait and switch, believed first lie, believed second lie, caring about customers, changine declines to approvals, customer service, customer service rating, Direct TV, good agents out there, good life insurance experiences, insurance, liars, life insurance, life insurance bait and switch, make agents prove their bait, president Direct TV Carey Chase, told qualified for the best rate, what you were promised is switched
By Ed Hinerman on September 25, 2012
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 high cholesterol gets it under control or someone who has ...read more
Posted in approval, family history, insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, reconsideration | Tagged cancer, diagnosed after age 60, diagnosed prior to age 60, insurance, life insurance, life insurance approval, life insurance reconsideration, non smoker, prostate cancer, smoker
By Ed Hinerman on September 6, 2012
I had mentioned in a post not too long ago about a new test that might negate the need for invasive biopsies when men have a high or elevating PSA. A recent Reuters article kind of hit the nail on the head when it comes to the reliability of the PSA as an indicator of ...read more
Posted in insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, PSA | Tagged biopsy was negative, insurance, invasive procedure, life insurance, life insurance underwriting, needle biopsy, PCA3, PCA3 was negative, prostate cancer, PSA, PSA as indicator of cancer, regular screenings, unnecessary biopsies
By Ed Hinerman on August 13, 2012
Now we’re rolling. Just because I’ve used two posts getting to the actual life insurance application and life insurance exam is not indicative of how long the process takes. Again, as promised, at the end of this series I will give a breakdown of the actual customer hands on time that has been used. When ...read more
Posted in application process, insurance, insurance quotes, life insurance, life insurance approval | Tagged application information, application request form, blood and urine specimens, blood pressure, complete life insurance application, contact information for doctors, fasting exam, height and weight, insurance, life insurance, life insurance application, life insurance application process, life insurance exam, review of medical history, temporary insurance agreement
By Ed Hinerman on August 7, 2012
I’m going to make this life insurance application process seem a bit lengthy and cumbersome in explaining it, but be assured right up front that the process is neither of those if you just take some of these suggestions to heart and work right through it. In Part One I covered one of the most ...read more
Posted in application process, approval, conversion, guaranteed level premium, insurance, insurance quotes, life insurance, life insurance approval | Tagged ask about medications, best rate available, copy of labs or pathology, dig for detail to yes answers, finding the right agent, insurance, life insurance, life insurance application, life insurance application process, medical history, personal history, prudent experienced advice, securing best tentative offer, shopping does away with surprises, shopping for best tentative offer
