by Ed Hinerman | Jan 30, 2015 | A1c, approval, compliance, coronary artery disease (CAD), diabetes, gastric bypass, insurance, life insurance, life insurance approval, life insurance underwriting, over 50 life insurance, Type 2 diabetes
That phrase is usually followed by a conversation that you may end up feeling you really didn’t need to have, but I’m here with a breath of fresh air, a talk we need to have about how to get better life insurance rates when you have diabetes. Why now? Why...
by Ed Hinerman | Jun 25, 2014 | A1c, approval, CEO life insurance, decline, insurance, life insurance, life insurance approval, Type 1 diabetes
Using the tax free death benefit of life insurance for estate protection sure isn’t a new idea, but consider the challenge of a widow that has too much income, not as rare as I thought. I am working with a woman in her early 70’s, a retired company CEO,...
by Ed Hinerman | Sep 3, 2013 | A1c, diabetes, insurance, insurance quotes, life insurance, life insurance approval
One of my pet peeves with life insurance companies is that some are too slow and some are way too fast at issuing life insurance policies once approved. And why would I be whining about companies that move that paperwork right out the door? If the policy is approved...
by Ed Hinerman | Aug 22, 2013 | A1c, approval, compliance, diabetes, insurance, life insurance, Type 1 diabetes
I love it when companies finally make forward progress in life insurance underwriting of well controlled health issues. What I can’t work with is when they get weak kneed a year later and throw all the engines in reverse. We’ve been through that kind of...
by Ed Hinerman | Aug 14, 2013 | A1c, approval, BMI, impaired risk life insurance, insurance, life insurance, life insurance approval, mortality, mortality risk
As related in a post yesterday which was a follow up on a previous post concerning the American General use of the CRL Labs Smart Score methodology for underwriting, I have breaking developments. After being rebuffed by CRL, being told that they couldn’t tell me...
by Ed Hinerman | May 13, 2013 | A1c, blood pressure, cancer, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Not everything that goes on in our medical lives is memorable. If our blood pressure is always in the normal range more than likely we are going to remember our last blood pressure reading. Unless I was deathly ill there is no way that I would remember what my...
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 | Sep 20, 2012 | A1c, diabetes, insurance, life insurance, Type 1 diabetes
There’s always a little hesitance on my part to proclaim an underwriting breakthrough to actually be an underwriting breakthrough for a couple of reasons. First, life insurance underwriting guidelines have been known to change for the better and back again and...
by Ed Hinerman | Jun 6, 2012 | A1c, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes
I’ve talked often about the fact that easily 99% of life insurance companies underwrite by the book, the underwriting manual, and for most of them it hasn’t changed since we only had 49 states. If the word bipolar is on the application you are declined....
by Ed Hinerman | Jan 6, 2012 | A1c, bipolar disorder, cancer, heart disease, insurance, life insurance
It would interesting to understand the psychology of an average life insurance agent. I know that there are plenty of truly lazy agents out there who, it appears, have a template that your life insurance application needs to fit into. If it doesn’t fit they...
by Ed Hinerman | Dec 16, 2011 | A1c, cholesterol, Depression, diabetes, insurance, life insurance
On the subject of fair life insurance underwriting I can certainly be found on both sides of he fence. Sometimes I think the underwriting consideration is completely fair, something that based on the information is something the client is just going to have to accept....
by Ed Hinerman | Dec 13, 2011 | A1c, budget, diabetes, insurance, life insurance
I got an email from some clients a few days ago. In spite of their best efforts their small business had fallen off so badly a few years ago that the husband made the decision to let the life insurance they had in force lapse. I’ve been staying in touch waiting...
by Ed Hinerman | Dec 9, 2011 | A1c, diabetes, foreign nationals, Infinite banking, insurance, life insurance, prostate cancer, Sleep apnea
I’ve been writing long enough that I am bound to be a little redundiferous at times, but I don’t think it can be said too many times. If you use the wrong agent to buy life insurance, who picks the wrong company for your situation, you will not enjoy a...
by Ed Hinerman | Apr 19, 2011 | A1c, diabetes, insurance, life insurance, Type 1 diabetes
We are by no means where I would like to see diabetes life insurance underwriting, but compared to 15 years ago, 10 years ago, even 5 years ago, life is good. I’ve talked a lot about adult onset type 1 diabetes life insurance approvals. The obvious thing going...
by Ed Hinerman | Dec 4, 2010 | A1c, bypass surgery, cholesterol, decline, insurance, life insurance
I suppose there are a few people who apply and know for a fact that they will be declined life insurance coverage. I’ve actually had calls from people who were in the hospital having just undergone heart bypass surgery. They asked about getting life insurance,...
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