Browse: Home / life insurance approval
By Ed Hinerman on April 16, 2013
The mega agencies online are really starting to make us life insurance agents who take our time and try to do a good job look like we’re part of a clueless industry. I had an Intelliquote former client (declined last week) call today and tell me that he just didn’t understand what they were trying ...read more
Posted in Alcohol Treatment Life Insurance, CEO life insurance, decline, executives, insurance, life insurance, life insurance approval | Tagged alcohol marker, CDT, clueless industry, decline based on MIB information, decline due to alcohol use, decline due to current alcohol use, insurance, Intelliquote life insurance, life insurance, life insurance intelligence oxymoron, liver functions, mega agencies online, MIB hit, sensitive confidential lab results
By Ed Hinerman on March 5, 2013
There are some things, things medical, mental and lifestyle, that some insurance companies may never let go of. 15 or 20 years after the fact it is entirely possible that there are companies that will unflinchingly say no thanks to your life insurance business even when it seems ludicrous that the original event could even ...read more
Posted in approval, breast cancer, cancer, decline, impaired risk life insurance, insurance, life insurance, life insurance approval | Tagged cancer breast cancer, cancer life insurance, hold against you forever, impaired risk life insurance, impaired risk life insurance companies, insurance, life insurance, life insurance underwriting, stage 4 breast cancer, stage 4 colon cancer 6% 5 year survival
By Ed Hinerman on February 25, 2013
Now that the Dow is back up where people are feeling optimistic, or at least relieved to have regained some worth in their retirement accounts, it’s time to take a little preventive medicine to avoid that upset stomach the next time the bottom falls out. While I share that relief that some recovery has happened, ...read more
Posted in death benefit, guarantee, insurance, life insurance, life insurance approval, over 50 life insurance | Tagged finacial planners advocate less risk, government dysfunctional, insurance, investment life insurance, investment term life insurance, life insurance, proactively planned, retirement will survive, stock market volatility, term life insurance |
By Ed Hinerman on February 20, 2013
I had an interesting scenario pop up while I was on vacation. Pam hates it when I get side tracked by life insurance when I am supposed to be recharging my batteries, but the truth is my job is fun and batteries can be recharged in more than one way. So I devoted a few ...read more
Posted in business life insurance, Independent agent, insurance, life insurance, life insurance approval, physicians life insurance | Tagged backdating to save age, business life insurance, CEO cover letter, financial justification, insurance, life insurance, life insurance as collateral, life insurance Hawaii, policy issued in 10 days, price and speed, quick approval business life insurance, quick approval life insurance, third party financidals
By Ed Hinerman on January 29, 2013
Turning a declined life insurance application into an approval is usually not that hard. It’s how I make a living. But I have to admit that turning a decline from Allstate into a preferred plus approval through one of my companies is kind of like laying down a bunt and turning it into a home ...read more
Posted in approval, cancer, decline, insurance, life insurance, life insurance approval, prostate cancer, PSA | Tagged Allstate decline, Allstate llife insurance decline, chronically elevated psa life insurance, insurance, life insurance, preferred plus approval, prostate cancer life insurance, prostate specific antigen, PSA, unneeded biopsies
By Ed Hinerman on January 22, 2013
For the most part medical records are what they, unreadable scribblings interspersed with occasional labs that are fairly understandable and other kinds of test results that might make sense to a doctor, but are of no use to you or me. There is an area of life insurance underwriting, especially for those of us over ...read more
Posted in application process, decline, insurance, life insurance, life insurance approval, over 50 life insurance | Tagged errors in medical records, get it corrected, insurance, life insurance, medical records, other peoples information in your records, over 50 life insurance, review medical records, underwriters review medical records, voluminous records
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 December 11, 2012
I know that far too many civilian contractors in war zones ended up there, whether Iraq or Afghanistan of Libya, without time or adequate planning to put the life insurance they might need in force. I can see myself rushing to get all the t’s crossed and i’s dotted and ending up at some forward ...read more
Posted in accidental death, approval, civilian contractors, Civilian War Zone Coverage, dangerous occupation life insurance, disability, hazardous activities, High Limit AD and D, insurance, life insurance, life insurance approval | Tagged 10 times annual income, accidental death, accidental death and dismemberment, accidental permanent total disability, Afghanistan, application and payment 10 minutes, application by email, civilian contractors in war zones, in force policy in a few hours, insurance, Iraq, Libya, life insurance, life insurance immediately, pay by bank EFT, pay by credit card, war and terrorism endorsement, war zone life insurance
By Ed Hinerman on December 7, 2012
Prudential has long been our go to company for those whose weight just wouldn’t garner an approval from any other companies. It wasn’t preferred plus rates with heavier builds, but it was an approval and it was the only place to find one in so many instances. Let me preface ripping Pru’s head off by ...read more
Posted in application process, approval, Biggest Loser, BMI, build, decline, Fat March, height and weight, insurance, life insurance, life insurance approval, obesity, over 50 life insurance | Tagged approval threshold BMI 50, approval threshold dropped, Biggest Loser, BMI, collateral health issues, insurance, life insurance, morbid obesity, mortality, mortality experience linked to morbid obesity, new charts impact underwriting, no notice to agents, obesity, obesity life insurance, offsetting credits, over 50 life insurance, ovr 50 ife insurance, perceived mortality risk, Prudential new guidelines
By Ed Hinerman on November 30, 2012
Being in the impaired risk end of the life insurance business, and specializing in helping people who aren’t having any fun with their life insurance experience, almost everyone who calls or emails me has on thing in common. The have unfortunately allowed the wrong agent to take their application to the wrong company and, no ...read more
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