Browse: Home / life insurance underwriters
life insurance underwriters
By Ed Hinerman on May 1, 2012
If life and life insurance was all simple there wouldn’t be any bumps in the road. We would all have the coverage we need when we need it and Dorothy would be singing Somewhere Over The Rainbow in the background. Truth is that most of the time with life insurance it is that way. People ...read more
Posted in business life insurance, court ordered life insurance, DUI, insurance, International Business insurance, life insurance | Tagged bank required life insurance, business life insurance, CEO, court ordered life insurance, divorce settlement, DUI, high limit life insurance, insurance, key man life insurance, life insurance, life insurance underwriters, Lloyds of London, needing life insurance now, traditional life insurance
By Ed Hinerman on January 19, 2012
As I come to grips with the fact that I am going to have to switch from Windows XP to Windows 7 and from Outlook Express to Outlook, I am a bit stressed. To bring you up to speed on the kind of stress I am going through, I wrote this post this morning. Because ...read more
Posted in Anxiety, bipolar disorder, cholesterol, Depression, high blood pressure, insurance, life insurance | Tagged approve at preferred plus rates, attorneys, best rate class, better rate class than industry average, blood pressure, CEO's, cholesterol, coping mechanism, insurance, life insurance, life insurance underwriters, minor mood disorder, mood disorder treatment, mood stablizing, mothers dealing with children, physicians, Prozac, rate class reflect mortality risk, stress, treated for ADD, treated for anxiety, treated for bipolar disorder, treated for depression, well controlled, Wellbutrin, Windows 7, Zoloft |
By Ed Hinerman on December 12, 2011
When I came up with a title for this post it made me chuckle. It seemed so familiar….but we’re not talking about my granddaughter. This is about life insurance and specifically the negative impact you can have on your application by not following through on doctors orders. In all fairness, the issue of non compliance ...read more
Posted in Anxiety, gastric bypass, insurance, life insurance | Tagged appointments with specialists, approved better than applied for, blood work, gastric bypass information, insurance, issues of non compliance, job related anxiety, life insurance, life insurance underwriters, medical record management, mountain of medical records, negative impact on application, non compliance with doctors orders, tests, x rays
By Ed Hinerman on November 23, 2011
I know I go through some weeks sure that all life insurance underwriters are kind of mechanical. They look at the records and the labs and look in their underwriting guide and stamp the appropriate approval on it and then on to the next. No emotions. Just the facts ma’am! But then a day rolls ...read more
Posted in blood pressure, cigar smokers, high blood pressure, hypertension, insurance, life insurance, smoking | Tagged blood pressure treatment, chew, cigars, cotinine, deceptive, declined, insurance, lied, life insurance, life insurance underwriters, nicotine was positive, non smoking rates, pipe smoking, positive cotinine, retention limit, retest, smoked, smoking rates, used tobacco or nicotine
By Ed Hinerman on August 8, 2011
When i see how some life insurance underwriters treat clients with generalized anxiety, often offering standard rate or worse approvals, I wonder if they’re living in the same country as the rest of us. USA could easily stand for the United States of Anxiety with the roller coaster ride we’ve been on for the last ...read more
Posted in Anxiety, Attention Deficit Disorder, Depression, insurance, life insurance | Tagged attorney, best rate class, CEO, dentist, high pressure job, insurance, life insurance, life insurance underwriters, mood disorders, mortality risk, physician
By Ed Hinerman on June 7, 2011
I used to think it was kind of amusing that obviously intelligent doctors have the worst handwriting of any other genre on the planet. Can you imagine if they were still in med school and had to hand write a 20 page thesis on something. The instructor would probably just count the pages and give ...read more
Posted in decline, insurance, life insurance | Tagged declined, dictation, errors in medical records, insurance, life insurance, life insurance underwriters, medical records, not accurate, notes in medical records
