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 | Jul 6, 2015 | application process, approval, attending physician statement, decline, insurance, insurance quotes, life insurance, Medical Information Bureau, medical record acquisition, medical records life insurance
Update my personal history in your records if you expect me to pay your bill. Yes, I am suggesting yelling at your doctor and yes, they may get all offended by the assertion that they aren’t doing their job, but it’s kind of like the old adage, “How...
by Ed Hinerman | Aug 1, 2012 | insurance, life insurance, Medical Information Bureau, smoking
Second only to life insurance agents for being blasphemed by the life insurance buying public is the Medical Information Bureau, or MIB. The MIB is a super warehouse of health and lifestyle information gathered from life insurance applications as they are processed by...
by Ed Hinerman | Jul 26, 2012 | decline, insurance, life insurance, Medical Information Bureau
I am currently working with a life insurance client who has yet to give me his real last name because he is so concerned that information he provided me just to shop his case will end up in MIB and ruin forever his reputation and chances of getting a fair shake at...
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