By Ed Hinerman on December 15, 2011
Declined anything is a personal hit kind of feeling. I remember once being declined for a credit card. I think I may be the only guy in the country that has ever been declined for a credit card. It kind of hurt my feelings. They offered it and then they declined it. What’s with that? ...read more
Posted in bipolar, bipolar disorder, decline, diabetes, epilepsy, heart disease, insurance, life insurance | Tagged approve, approve and issue policies, bipolar, bipolar disorder, CEO's, declined, declined for life insurance, diabetes, doctor lying to me?, epilepsy, heart disease, homemakers, insurance, life insurance, my imminent death, never a manic episode, never a sucidial thouht, not comfortable with risk, pathetic underwriting, pay out a death benefit, standard or better rates
By Ed Hinerman on September 8, 2011
Most people are familiar with the standard rate classes for life insurance. From the very best they usually go something like preferred plus, preferred, standard plus, standard. Different companies may call them something different, or only have three standard classes instead of four, but those four cover most of the companies and most standard underwriting ...read more
Posted in heart disease, Independent agent, insurance, life insurance, term insurance | Tagged approve, best guarantee, best price, decline, health underwriting, impaired risk life insurance, Independent agent, insurance, life insurance, lifestyle credit, standard rate classes, table rates, term insurance
By Ed Hinerman on February 24, 2010
So you just got declined for life insurance and you’ve decided that life insurance companies suck. The truth is you may have just had a goose lay a golden egg for you. So, the good news in a decline? It almost always means that you either had the wrong agent or the wrong company, or ...read more
Posted in bipolar, bipolar disorder, decline, insurance, life insurance | Tagged approve, bipolar, bipolar disorder, decline, declined, Google, Independent agent, insurance, life insurance
