Browse: Page 2
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 26, 2013
Here we go again. I called New York Life this morning to see if I could be assigned a permanent contact to call when beneficiaries are getting the run around on death claims. I ended up talking to the executive assistant for NYL Executive Vice President Michael Sproule who took my information and promised she ...read more
Posted in AARP, accidental death, death benefit, group life insurance, insurance, life insurance, life insurance claim, life insurance claim process, New York Life | Tagged AARP dragging their feet, advocate for people getting run around, claim hasn't been settled, death claim, insurance, insured died in house fire, life insurance, nightmare customer service, NYL Executive Vice President Michael Sproule |
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 January 13, 2013
I’ve decided, for the sake of us elderly folks and all of us who are related to elderly folks and anyone who gives a damn about treating people right, to get off the fence and say what I really think about AARP and their New York Life insurance plan. For those who have followed this ...read more
Posted in AARP, beneficiary, compliance, contestability, insurance, life insurance, life insurance claim, life insurance claim process, New York Life, over 50 life insurance | Tagged AARP, AARP lying, AARP should allow audit on denied claims, AARP/NYL life insurance program, beneficiaries, bluffing, declining claims without good reason, denied claims, deny claims without due dilgence, insurance, life insurance, negligent claims practice, New York Life, New York Life lying, New York Life Maria Gaver, rip off elderly, steal from elderly
By Ed Hinerman on January 7, 2013
Have you ever had anything lost in the mail, whether going or coming? It’s not a new occurrence with the US Postal Service, but being in a business that depends on mail delivery to some extent, I’ve noticed that the amount of mail being blasted into the twilight zone right now is more than anything ...read more
Posted in AARP, grace period, group life insurance, insurance, life insurance, life insurance claim, life insurance claim process | Tagged AATP, advocate for the elderly, bottom feeding senior advocate, good business practice, grace period, insurance, late payment notice, life insurance, moral thing to do, most companies would pay the claim, New York Life, payment credited to wrong policy, payment lost in the mail, payment lost inside AARP, payment was sent, second addressee, upright thing to do
By Ed Hinerman on December 29, 2012
It’s one thing when a lack of customer service results in you not getting your empty coffee cup refreshed, but when a life insurance agent goes south on service and the life insurance company they represent joins them on the beach it can end in disaster. When a life insurance agent doesn’t explain with a ...read more
Posted in customer service, guarantee, guaranteed level premium, honesty, insurance, lapse, life insurance, over 50 life insurance, universal life | Tagged agent doesn't explain, Allstate agent, Allstate agent lack of customer service, Allstate lack of customer service, Allstate life insurance, Allstate universal life insurance, borrow money from cash value, designed to go on forever, failed their customer, implosion of universal life, in force illustration, insurance, life insurance, not sold base on guarantees, over 50 life insurance, policies that fell apart, policy gone to crap, sold based on assumptions, top agent was a liar, traditional universal life |
