by Ed Hinerman | Oct 12, 2016 | decline, insurance, life insurance, non compliance with doctor
Believe me I get that we’re all grownups here and ultimately we are, in spite of our doctor’s opinion, in charge of our own health care. Let me share a personal story and then we’ll see how that looks for the rest of you, especially in relation to...
by Ed Hinerman | Nov 19, 2012 | compliance, insurance, insurance quotes, life insurance, life insurance approval, mortality, mortality risk
This is one of these subjects that goes in several directions. Your doctor’s opinion can help you get the best possible life insurance rate. It can also bring your life insurance application to a screeching halt and if it ever comes down to who is right, the...
by Ed Hinerman | Sep 28, 2012 | A1c, blood pressure, cholesterol, decline, diabetes, insurance, life insurance
I can remember a time when hardly a post left my computer without the words compliance and control somewhere in the text. The issues are no less important now and since it seems to be something that has popped up in several cases lately, well, let’s just kick it...
by Ed Hinerman | Mar 1, 2012 | application process, insurance, life insurance, term insurance
Our office has always been about getting the job done for our life insurance clients and getting a policy in force as soon as possible. I could probably be labeled a little obsessive compulsive about the application process, but I believe my logic is sound....
by Ed Hinerman | Aug 23, 2011 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance
I’m currently working on a life insurance case where the client, a physician, sought and completed treatment 4 years ago for prescription drug abuse. We shopped this last year and got an offer from Banner Life. The case was declined in underwriting because they...
by Ed Hinerman | Jul 12, 2011 | heart attack, insurance, life insurance
The internet has come a long way and is an amazing research tool. It is not uncommon for people to make major medical treatment decisions based on their own research even when it runs counter to their doctor’s recommendation. It has to drive doctors nuts and I...
by Ed Hinerman | Feb 8, 2010 | insurance, life insurance, term insurance
Wouldn’t it be great if everything always went as planned? You determine how much life insurance you want. You figure out how long you need it for and you set a budget based on what you believe it will cost. Check, check and check! But what do you do when things...
by Ed Hinerman | Nov 13, 2009 | insurance, life insurance, Sleep apnea
So, you applied for life insurance and have been postponed or declined because you didn’t complete some, for instance a sleep study test your doctor recommended! Want a second opinion? Don’t waste your time. You’ll get the same answer at the next...
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