by Ed Hinerman | Jul 26, 2016 | angioplasty, approval, attending physician statement, bypass surgery, clinical underwriting, coronary artery disease (CAD), family history, heart attack, heart disease, insurance, life insurance
Coming off a post just a few days ago where I beat the compliance drum into a lather because that is what life insurance underwriters want to see, I turn around and shop a case where all of the underwriters fly in the very face of what they said and what I repeated. I...
by Ed Hinerman | Dec 29, 2014 | application process, approval, coronary artery disease (CAD), decline, Independent agent, insurance, life insurance, life insurance approval, over 50 life insurance, Type 1 diabetes
There is absolutely nothing wrong with being approved for life insurance at a standard rate class or higher, unless you qualify for a better rate class through another company. There are a large number of companies that don’t even offer multiple rate classes....
by Ed Hinerman | Oct 27, 2014 | angioplasty, approval, bypass surgery, CEO life insurance, coronary artery disease (CAD), decline, ejection fraction, heart attack, insurance, life insurance, life insurance approval, LVEF
I guess on some level I get that if you have coronary artery disease, you will always have it and I get that people with early onset CAD, actuarialy life insurance speaking are a worse life insurance risk than someone who is diagnosed, say, in their 50’s. But...
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