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Life Insurance Winner With Gastric Bypass!
From Ed Hinerman on Life Insurance, 2 year ago, Read 0 times. Similar articles
We just wrapped up a life insurance application with a successful approval at a standard rate class, the best we could have hoped for even in the absence of the bypass history.
We have been dog determined to point out through this forum that the social stigma and risks that have often been attached to gastric ...Post from: Ed Hinerman On Life InsuranceLife Insurance Winner With Gastric Bypass!
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Always Ask For Your Lab Results!
From Ed Hinerman on Life Insurance, 2 year ago, Read 1 times. Similar articles
You #8217;re applying for life insurance and they just sucked your blood and made you pee in a cup. You deserve to know what they know and there is no better way to do that than to request a copy of your labs.
I have long like the proactive approach that West Coast Life takes. As soon ...Post from: Ed Hinerman On Life InsuranceAlways Ask For Your Lab Results!
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When The Trial Process Goes Wrong!
From Ed Hinerman on Life Insurance, 2 year ago, Read 0 times. Similar articles
I got this email just recently:
Hi Mr. Hinerman:
I have been reading your blog for some time. Just curious, why do I never see MetLife, my company, among your quotes' If you haven #8217;t checked us out in a while you might want to try. Our rating guide for CAD has recently been updated and we might ...Post from: Ed Hinerman On Life InsuranceWhen The Trial Process Goes Wrong!
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When Someone Needs To Step Up To The Plate!
From Ed Hinerman on Life Insurance, 2 year ago, Read 0 times. Similar articles
We see it all the time. A young man dies in a car accident or from cancer, a totally unexpected event and an event that rips the roof right off of the life of the young wife and children he has left behind. He never considered life insurance. Life at that point seems endless and ...Post from: Ed Hinerman On Life InsuranceWhen Someone Needs To Step Up To The Plate!
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Is There Anything Wrong With Your Heart'
From Ed Hinerman on Life Insurance, 2 year ago, Read 0 times. Similar articles
Abnormal ekg #8217;s make up a significant percentage of of the reason for postpones and declines on life insurance applications. Often it #8217;s news to the applicant and just as often it #8217;s something that their doctor may have told them about a long time ago and told them it wasn #8217;t anything to worry about. After all, #8220;It #8217;s ...Post from: Ed Hinerman On Life InsuranceIs There Anything Wrong With Your Heart'
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That's Just Picking On Old Guys To My Way Of Thinking!
From Ed Hinerman on Life Insurance, 2 year ago, Read 0 times. Similar articles
I heard through another agent this morning about a 68 year old client of theirs who was declined by Banner Life due to his PSA increasing from 2.1 to 3.1 over the last 15 months.
It must be really dark where that underwriter keeps their head. If the client was young that might be cause ...Post from: Ed Hinerman On Life InsuranceThat #8217;s Just Picking On Old Guys To My Way Of Thinking!
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If Today Was The Day!
From Ed Hinerman on Life Insurance, 2 year ago, Read 0 times. Similar articles
Ok, so it #8217;s a #8220;what if #8221;, but there #8217;s a lot of folks out there who won #8217;t see the end of the day. Nothing shocking about that. A lot of those deaths will be expected and a lot of them, well, I guess there will be something shocking about them.
So, if you woke up this morning ...Post from: Ed Hinerman On Life InsuranceIf Today Was The Day!
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When Your Own Insurance Company Thinks You're Too Fat!
From Ed Hinerman on Life Insurance, 2 year ago, Read 0 times. Similar articles
I had a client just recently who works for State Farm as a claims adjuster and was declined for life insurance by to them due to his obesity. He #8217;s 6 #8242;1, 415 pounds.
I shouldn #8217;t get down on State Farm over this since by most life insurance company underwriting guidelines he has stretched well past the breaking ...Post from: Ed Hinerman On Life InsuranceWhen Your Own Insurance Company Thinks You #8217;re Too Fat!
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Who Would Have Ever Guessed Your Liver And Your Butt Were Linked Medically'
From Ed Hinerman on Life Insurance, 2 year ago, Read 0 times. Similar articles
An extremely common cause for the derailment of a life insurance application is an elevated liver function test (LFT) on the life insurance labs. This can result in an unexpected (and unwanted) butt kicking when you had no idea that there was anything going on.
To make matters worse, that butt kicking may not have ...Post from: Ed Hinerman On Life InsuranceWho Would Have Ever Guessed Your Liver And Your Butt Were Linked Medically'
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When Life Insurance Just Doesn't Make Sense Anymore!
From Ed Hinerman on Life Insurance, 2 year ago, Read 0 times. Similar articles
#8220;In the beginning there came responsibilities and with that came the need for life insurance. #8221; I get asked all the time when a person is old enough that they should seriously consider life insurance as part of their financial plan and the answer is clear, when you have responsibilities that would fall on someone else ...Post from: Ed Hinerman On Life InsuranceWhen Life Insurance Just Doesn #8217;t Make Sense Anymore!
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Arrythmia Explained!
From Ed Hinerman on Life Insurance, 2 year ago, Read 0 times. Similar articles
We’ve talked on a number of occasions about the dreaded abnormal ekg and how doctors and underwriters can have completely different takes on the abnormality, and actually both of them be right,
I came across one of the best and most humorous explanations of the most common blips on ekgs. Viewed through this lens you can see why a life insurance underwriter might be a little gun shy when, say, a left bundle branch block shows up on an insurance exam.
Often the abnormality, whether a LBBB...
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