By Ed Hinerman on May 21, 2013
I’ve gone and fooled myself again. I’ve been so adamant about the pathetic underwriting from 99.5% of life insurance companies that I sometimes forget that in that one half of once percent of companies that do great things, there are still humans underwriting, humans with biases. They might keep them in check most of the ...read more
Posted in Anxiety, decline, Depression, insurance, life insurance, over 50 life insurance, physicians life insurance | Tagged chonic controlled depression, chronic controlled anxiety, couldn't give it fair hearing, declined, emotionally torn to pieces, get off the decline list, get to underwriting director, insurance, life insurance, medical director who understands mood disorders, out of no where divorce, underwriter had been through divorces, underwriter with a bias, wrong underwriter at the wrong time |
By Ed Hinerman on May 2, 2013
I know what drives the reaction, the knee jerk response of applying to every insurance company who will accept an application. It’s a desperation that grows out of a declined life insurance application and the idea that the more people you get your information in front of, the better the chance that you will find ...read more
Posted in application process, approval, decline, impaired risk life insurance, insurance, insurance quotes, life insurance | Tagged acquisition of medical records, application process, declined, declined and applied with 8 companies, exams, insurance, life insurance, MIB, MIB activity, multiple applications, multiple exams, shop cases for fairest hearing, shotgun approach, waste of money, waste of time |
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 July 31, 2012
I’ve been working some particularly tough impaired risk life insurance cases lately and it really drove it home to me that if a person with higher risk life insurance impairment is using an agent who only represents one or two or three companies, they have almost no chance of a good outcome with their life ...read more
Posted in impaired risk life insurance, Independent agent, insurance, life insurance, pilot, private pilots, professional car racing | Tagged agencies favor one company compensation, agent represents one company, alcohol or drug treatment, bipolar disorder, declined, getting approved, getting approved at best rate possible, high risk life insurance, impaired risk life insurance, indepedent agent, insurance, life insurance, mountain climbers, not the quickest life insurance quote, private pilot life insurance, professional car racers, seizure disorders, treated unfairly, Type 1 diabetes
By Ed Hinerman on May 30, 2012
I just want to go on record as saying I don’t write this kind of post to brag. I share these victories occasionally to help keep the hope alive for so many with bipolar disorder or other mood disorders who have been declined or abused with a high rating for no other reason than they ...read more
Posted in approval, bipolar, bipolar disorder, decline, insurance, life insurance | Tagged approved, bipolar life insurance, compliant with follow up, compliant with medication, criteria to get approved, decline used wrong company, declined, declined used wrong agent, impaired risk life insurance, insurance, life insurance, mood disorders, took bipolar condition seriously
By Ed Hinerman on May 16, 2012
I am about to go off on Selectquote again but let me show you the new kinder, gentler side of my opinionated self. Selectquote handles, from what I’ve heard, about 100,000 applications a year. They’ve been the king of the hill for quite a while so that tells me they probably aren’t messing up every ...read more
Posted in Dave Ramsey, Depression, insurance, life insurance, Sleep apnea | Tagged acceptable to Selectquote, apply two places and take best approval, assumption Selectquote doing the best thing, Dave Ramsey, Dave Ramsey is that the best you do, declined, Depression, getting a second opinion, insurance, life insurance, life insurance declined, mild depression, right thing for the customer, Selectquote, Sleep apnea, sleep apnea life insurance, Zander Insurance
By Ed Hinerman on March 10, 2012
I was encouraged by a client to contact Kristi Schmitt Burr, the executive director of the Basal Cell Carcinoma Nevus Syndrome Life Support Network, BCCNS.org. I have 14+ years experience in working with clients who fall into the impaired risk category of life insurance. That simply means they have health challenges that cause problems for ...read more
Posted in basal cell carcinoma, cancer, insurance, life insurance, melanoma, squamous cell carcinoma | Tagged arguable with life insurance underwriters, basal cell carcinoma, basal cell carcinoma nevus syndrome, BCCNs.org, declined, higher risk for melanoma, insurance, life insurance, melanoma, multiple basal cell carcinomas, over priced policy, skin cancer issues, skin cancer life insurance, squamous cell carcinoma, stage and grade
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 28, 2012
I got a call yesterday from a woman who had just been declined for a new life insurance because she had two melanomas in the last 11 years. After the second melanoma she decided she was a little more mortal than she had originally figured and wanted to increase her life insurance. So, she called ...read more
Posted in basal cell carcinoma, cancer, decline, insurance, life insurance, melanoma | Tagged approval, basal cell carcinoma, Clarks level II, declined, insurance, life insurance, low stage, melanoma, multiple occurences, new life insurance declined, pathology report, shop before quoting, skin cancer, squamous cell carcinoma
By Ed Hinerman on January 2, 2012
I am starting this new year very optimistically. Thanks to the hard work and savvy of my SEO guy we are reaching more and more of you who have been abused, declined or just left behind by agents or agencies that aren’t into doing the work it takes to properly serve life insurance buyers over ...read more
Posted in Independent agent, insurance, life insurance, over 50 life insurance | Tagged abused, Business Proverbs, cutting corners, Dave Ramsey, declined, directly cheated a customer, impaired risk life insurance, insurance, Intelliquote, left behind, less than a job well done, life insurance, life insurance over 50, Matrix Direct biased on quotes, Micah 6:11, on line mega agencies, precludes best product and price, Reliaquote, sacrificing quality customer service, Selectquote, West Coast Life, Zander Insurance
