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declined for life insurance
By Ed Hinerman on September 12, 2012
There is this perverse notion, an urban legend if you will, that if you get declined for life insurance you become life insurance toast from then on. You might as well buy accidental death insurance and just hope that space junk and not cancer is the cause of your demise. I had a client just ...read more
Posted in accidental death, Alcohol Treatment Life Insurance, decline, DUI, insurance, life insurance | Tagged accidental death insurance, approved, circumstances he can get approved, declined, declined for life insurance, declined life insurance, declined would be blackballed, declines are a good place to start, declines are based on facts, full disclosure, information in driving record, insuirance, insurance industry blackballed, life insurance, life insurance toast, more declined life insurance
By Ed Hinerman on February 15, 2012
It’s no secret that by far the majority of my non private pilot clients have been declined for life insurance before they came to me. There is just something about being declined that is personal, a little humiliating, maybe scary and really ticks people off. “What do you mean I’m not insurable”? I had an ...read more
Posted in Anxiety, decline, insurance, life insurance | Tagged about being declined, Anxiety, declined, declined for life insurance, handled correctly, I'm not insurable, insurance, life insurance, poor handling by agent, private pilot, psychiatrist records, shopped it blind, skeletons out of closet, summary of diagnosis, summary of treatment, without knowing the facts
By Ed Hinerman on January 4, 2012
I was grazing through Twitter today and came across this gem by Miki Strong, “Transparency in biz earns you trust & respect from your ideal client and filters out those who you’re not ideally suited to help”. It was one of those moments like when you’re in church and you have that feeling that the ...read more
Posted in bipolar disorder, decline, insurance, life insurance | Tagged approved for life insurance, bipolar disorder, declined for life insurance, doesn't seem right, highly rated for life insurance, ideal client doesn't cave in, ideally suited to help, insurance, life insurance, more hope, my ideal client, treated unfairly, win the fight, worthy of life insurance. wrong agent, wrong company, wrong results |
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
