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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 October 31, 2012
A few years back I fought a bloody battle with an underwriter from ING over what today still stands as the most illogical piece of underwriting I have ever run in to. Not that the two events are in any way related, but I won the battle and then watched company after company change their ...read more
Posted in blood pressure, cholesterol, HDL, high blood pressure, insurance, life insurance | Tagged blood pressure, cholesterol, cholesterol/hdl ratio, customer service, equal mortality risk, HDL, high blood pressure, hypertension, insurance, life insurance, medical knowledge, medically sound clinical underwriting, paying higher rate class, rated preferred or worse treated blood pressure, rated preferred or worse treated cholesterol, treated blood pressure, treated cholesterol, well controlled lipids
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 July 23, 2012
The general public believes they have it figured out and that after age 50 life insurance prices take an astronomical leap into a realm delegated only to those with so little time left that express applications start to take on some real importance. To lend some credence at least to the urban legend, it seems ...read more
Posted in blood pressure, cholesterol, insurance, life insurance, life insurance approval, term insurance | Tagged age 50 doom for life insurance prices, age 50 life insurance, age 50 life insurance prices, controlled blood pressure, controlled cholesterol, cost of waiting, cost per thousand go up, guaranteed level premium 30 years, incredible value, insurance, life insurance, mortality risk of age alone is very fair, needs gone or waning, no quantum leap from year to next, other side of 50 life insurance, preferred plus mortality risk, understanding life insurance needs
By Ed Hinerman on May 21, 2012
I know there’s a point where a lot of people won’t even bother looking into life insurance anymore. They figure they’ve messed the picture up bad enough that there really isn’t any need to waste time donating blood and waiting 3 or 4 weeks to have someone tell you that they would prefer not to ...read more
Posted in blood pressure, cancer, diabetes, insurance, life insurance, obesity | Tagged 6' 405 pounds, diabetes, diet and exercise, gastric bypass surgery, high blood pressure, insurance, life insurance, life insurance before health issues start, morbid ly obese, obesity, Prudential, smoke cigarettes, Type 2 diabetes
By Ed Hinerman on December 3, 2011
It’s 2011 for a little while longer and it seems that only a few life insurance companies have caught on to the fact that life in our great country is a little more stressful than it used to be. You don’t need to look any further than the CDC (Center for Disease Control) to find ...read more
Posted in Anxiety, bipolar, bipolar disorder, blood pressure, cholesterol, Depression, insurance, life insurance
By Ed Hinerman on November 23, 2011
I know I go through some weeks sure that all life insurance underwriters are kind of mechanical. They look at the records and the labs and look in their underwriting guide and stamp the appropriate approval on it and then on to the next. No emotions. Just the facts ma’am! But then a day rolls ...read more
Posted in blood pressure, cigar smokers, high blood pressure, hypertension, insurance, life insurance, smoking | Tagged blood pressure treatment, chew, cigars, cotinine, deceptive, declined, insurance, lied, life insurance, life insurance underwriters, nicotine was positive, non smoking rates, pipe smoking, positive cotinine, retention limit, retest, smoked, smoking rates, used tobacco or nicotine
By Ed Hinerman on October 12, 2011
It’s been a long time since most insurance made any kind of fuss over being treated for cholesterol. As long as it was well controlled you could count on best rate class approvals. Now companies have jumped on the cholesterol ratio band wagon and are allowing preferred plus rates with total cholesterol as high as ...read more
Posted in blood pressure, cholesterol, insurance, life insurance | Tagged Banner, best rate class, blood pressure, cholesterol, cholesterol ratio, Genworth, HDL, high blood pressure, insurance, life insurance, Minnesota Life, over 50 life isurance, over age 50, preferred plus rates, treated cholesterol, treated high blood pressure, United of Omaha
By Ed Hinerman on October 1, 2011
Allow me one more time to bemoan the good old days when US Financial Life Insurance was still roaming the earth. They doled out good news in life insurance underwriting in their short life span than any other company around. It was called clinical underwriting. Just as a review, most underwriting is done with what ...read more
Posted in blood pressure, bypass surgery, cancer, insurance, life insurance | Tagged affordable, approved, clinical underwriting, decline, heart bypass surgery, insurance, life insurance, lifestyle changes, mortality risk, one vessel bypass, over 60 life insurance, over 70 life insurance
By Ed Hinerman on June 4, 2010
That’s a life insurance question that’s easy to quantify in numbers. At age 57 if I wanted $500,000 of 20 year term insurance and I qualified for the best rate class, preferred plus, I could expect to pay $1840 annually, about $161 a month. If for some reason I was qualified for the second best ...read more
Posted in blood pressure, cholesterol, insurance, life insurance | Tagged airline pilots, Alcohol Treatment Life Insurance, blood pressure, cancer, cholesterol, diabetes, driving record, family history, HDL, insurance, life insurance, North American, preferred plus rates, preferred rates, private pilots, smoker, underwriting guidelines
