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pay out a death benefit

Is Declined Life Insurance The End Of The Line?

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

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We Really DO Come Through for our Clients.

“Thank you so much for the effort you put into securing my husband’s life insurance policy. As a person diagnosed with bi-polar type II, he was treated as nearly impossible to insure by our old insurance agent. Yet, he is fully functioning with this disease and has a flourishing career. You were able to hear our frustrations about the stigma attached to the bi-polar label--that all bi-polar patients are depressive or suicidal-- and teach the insurance company’s underwriter the difference between a functioning bi-polar II adult and a person whose disease is far more of a liability to an insurance company. Thank you for the effort you put into securing my husband’s policy; with your help, we ended up with a policy that costs the same as a healthy, non-smoking, non-bi-polar adult. Moreover, your service as our agent was impeccable. You followed up every step of the way. We can’t wait to tell others--with or without illness-- about your service.”
Kate & Sean


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