By Ed Hinerman on May 13, 2013
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 temperature was the last time a ...read more
Posted in A1c, blood pressure, cancer, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes | Tagged A1c, blood pressure in normal range, cancer, diabetes, hbA1c, impaired risk life insurance, insurance, life insurance, Raynaud's ANA Titer, stage and grade pathology report, staph infection, Type 1 diabetes, Type 2 diabetes |
By Ed Hinerman on September 28, 2012
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 around for old times sake. Control ...read more
Posted in A1c, blood pressure, cholesterol, decline, diabetes, insurance, life insurance | Tagged compliance, control, doctor recommended referral, doctor recommended test, insurance, lack of control, life insurance, life insurance declines, life insurance postpones, life insurance underwriter, life insurance underwriting, non compliance, out of control, second opinion
By Ed Hinerman on September 20, 2012
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 kind of like buying stock, I don’t want to be attracting customers on the ...read more
Posted in A1c, diabetes, insurance, life insurance, Type 1 diabetes | Tagged adult onset type 1, approval, approval criteria, compliance, control, diabetes life insurance, insurance, juvenile onset type 1, life insurance, pancreas transplant, type 1 diabetes life insurance, underwriting stance on type 1 diabetes
By Ed Hinerman on June 6, 2012
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. If you’re not bipolar but take, for instance, Lamictal or ...read more
Posted in A1c, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes | Tagged A1c's below 7, Abilify, adult onset type 1 diabetes, affordable rates, bipolar, bipolar disorder, compliance and control, diabetes, insurance, juvenile onset type 1 diabetes, Lamictal, life insurance, life insurance approvals, no collateral health issues, recent approvals, Type 1 diabetes |
By Ed Hinerman on January 6, 2012
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 either won’t take it on or they will let it ...read more
Posted in A1c, bipolar disorder, cancer, heart disease, insurance, life insurance | Tagged asking all the health questions, average life insurance agent, clients deserve, elevated A1c, get information from doctors, in depth questions, insurance, life insurance, life insurance application, most agents give up, review cardiac workups, study the health issue, successful with bipolar disorder, truly lazy agents, understand cancer pathology, well controlled mood disorder
By Ed Hinerman on December 16, 2011
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. Then there are days like today. I have a client ...read more
Posted in A1c, cholesterol, Depression, diabetes, insurance, life insurance | Tagged A1c of 6.1, diabetes, fair life insurance underwriting, high blood pressure, high lipids, insurance, life insurance, never diabetic, no family history of diabetes, pre diabetic, preferred plus, situational depression, wrestling with weight issues, written appeal to underwriter
By Ed Hinerman on December 13, 2011
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 for things to turn ...read more
Posted in A1c, budget, diabetes, insurance, life insurance | Tagged A1c, approved coverage, diabetic, die at inopportune times, die prematurely, die unexpectedly, get to the next rate class, insurance, lapse, life insurance, life style changes, put it in force, room in the budget, weight fluctuate, without life insurance
By Ed Hinerman on December 9, 2011
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 good outcome. Part of that ...read more
Posted in A1c, diabetes, foreign nationals, Infinite banking, insurance, life insurance, prostate cancer, Sleep apnea | Tagged Be your own banker concept, financial strength, foreign nationals, great whole life products, impaired risk underwriing, insurance, Juvenile life insurance, Lafayette Life, life insurance, mild situational depression, prostate cancer, tremendous whole life product, Type 1 diabetes, type 2 diabetic
By Ed Hinerman on April 19, 2011
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 for a client with adult onset type ...read more
Posted in A1c, diabetes, insurance, life insurance, Type 1 diabetes | Tagged adult onset type 1 diabetes, affordable, diabetes life insurance, insurance, juvenile onset type 1 diabetes, life insurance, type 1 diabetes life inusrance
By Ed Hinerman on December 4, 2010
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, and while we could certainly get there with time and ...read more
Posted in A1c, bypass surgery, cholesterol, decline, insurance, life insurance | Tagged alcohol, approval, declined life insurance, DUI, financial justification, hepatitis, insurance, life insurance, liver functions, Medical Information Bureau, moving violations, obesity |
