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By Ed Hinerman on March 5, 2013
There are some things, things medical, mental and lifestyle, that some insurance companies may never let go of. 15 or 20 years after the fact it is entirely possible that there are companies that will unflinchingly say no thanks to your life insurance business even when it seems ludicrous that the original event could even ...read more
Posted in approval, breast cancer, cancer, decline, impaired risk life insurance, insurance, life insurance, life insurance approval | Tagged cancer breast cancer, cancer life insurance, hold against you forever, impaired risk life insurance, impaired risk life insurance companies, insurance, life insurance, life insurance underwriting, stage 4 breast cancer, stage 4 colon cancer 6% 5 year survival
By Ed Hinerman on October 30, 2012
There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an eye opener right now. I’ve tried to note each change or solidification of a change as it happens, but let’s ...read more
Posted in breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life | Tagged AG38 reserves, best permanent product on the market, bipolar disorder, breast cancer, clinical underwriting, compliance and control, declines in the past, insurance, life insurance, life insurance underwriting, melanoma, no lapse guarantee UL, prostate cancer, rate increase, reasonal approvals, replace failing traditional UL, second to die life insurance, significant opportunity exists. small or large permanent policies, small window to apply, Type 1 diabetes, universal life
By Ed Hinerman on August 2, 2012
OK. I made it up just to get your attention. No, seriously. Companies are just blowing me away with the offers and approvals they are giving on low stage and grade cancers. In this case I have a company approving a policy at preferred 3 months after a melanoma was removed at preferred. Most companies ...read more
Posted in basal cell carcinoma, breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer, squamous cell carcinoma | Tagged breast cancer, cancer, cancer life insurance, Clark's level 1, colon cancer, gave up trying to get life insurance, higher stages and grades, impaired risk life insurance, in situ, Independent agent, insurance, life insurance, low grade, low stage, melanoma is dangerous, melanoma life insurance, melanoma removed two months before applying, preferred rates, prostate cancer, prudent reaction to improved treatmentt, prudent reactions to early detection, stage 0, Stage 1, willing to shop extensively
By Ed Hinerman on July 28, 2012
This last year has been full of life insurance underwriting break throughs from major companies, especially in the area of cancer. In previous posts I’ve talked about the logic of this being tied to earlier detection and much better treatment options than have been available in the past. The real thrust is that underwriters are ...read more
Posted in breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer | Tagged approval immediately after successful treatment, better treatment options, breast cancer, colon cancer, eariler detection, in situ colon cancer, insurance, life insurance, life insurance over 60, life insurance underwriting breakthrough, low stage and grade, preferred rates 10 years post treatment, prostate cancer, successful treatment
By Ed Hinerman on April 17, 2012
There have been some dramatic breakthroughs in life insurance underwriting over the past few months, a lot of it having to do with cancer life insurance underwriting. Just as these breakthroughs started there are now more rumors of companies following suit, or tightening the underwriting gap back up. All of them know they aren’t hanging ...read more
Posted in breast cancer, cancer, insurance, life insurance, prostate cancer | Tagged breast cancer, cancer life insurance underwriting, colon cancer, diagnosis at earlier stages, dramatic breakthroughs, greatest life insurance underwriting minds, in situ breast cancer, insurance, life insurance, life insurance underwriting, low grade, low stage, multiple myeloma, prostate cancer, treatment at earlier stages, two major companies
By Ed Hinerman on February 4, 2012
One of the brightest gems in the new cancer life insurance underwriting that was unveiled this week is the possibility to get all the way back to preferred rates with the right cancer, the right outcome and, of course, the right agent and the right company. For as long as I can remember the best ...read more
Posted in breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA | Tagged breast self examination, cancer life insurance, cancer life insurance underwriting, digital prostate exam, early detection, fear of recurrence, fear of relapse, genetic testing, insurance, life insurance, life insurance acknowledged medical advances, mortality, over 50, post cancer treatment life insurance, preferred life insurance rates, proactive screening, prostate cancer watchful waiting, PSA screening, specific and focused treatment, warning signs
By Ed Hinerman on February 1, 2012
When I was young growing up in Wyoming I remember being talked into a cow tipping trip one evening. I don’t know if this goes on everywhere, but in Wyoming adults really like to jack with kids by having them attempt urban, or in our case, country legends. Another was snipe hunting but I’ll save ...read more
Posted in breast cancer, cancer, insurance, life insurance, prostate cancer | Tagged approval immediately upon successful treatment, breast cancer immediate approval, cancer, cancer life insurance underwriting, cow tipping, huge moves cancer underwriting, insurance, life insurance, one year waiting period changed, prostate cancer, prostate cancer immediate approval, prostate cancer watchful waiting, prostatectomy, radiation treatment, snipe hutning, testicular cancer, thyroid cancer, uterine cancer, watchful waiting standard rates
By Ed Hinerman on January 30, 2012
I recklessly went out on a limb yesterday spreading a rumor that a major, well know A+ rated life insurance company was jumping on all of the cancer detection and treatment victories of the last several years and have changed their underwriting guidelines and philosophy to bring huge breaks to their clients. I wasn’t reckless ...read more
Posted in breast cancer, cancer, insurance, life insurance, prostate cancer | Tagged approval for watchful waiting, breast cancer, cancer, huge breaks, Immediately after radiation treatment, impaired risk life insurance, impaired risk underwriting, insurance, life insurance, no flat extra charge, prostate cancer, standard rates immediately follow successful treatement, testicular cancer, thyroid cancer, uterine cancer |
By Ed Hinerman on January 29, 2012
I hate jumping into a life insurance topic like this without all the facts but, heck, that’s why they call them rumors. Historically one of the toughest parts of underwriting has been, especially for cancer, the insistence of a one year waiting period post treatment, or the period where the company applies a flat extra ...read more
Posted in breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer | Tagged 100% 5 and 10 year survival rate, approval for prostate cancer watchful waiting, approved a few weeks post treatment, breast cancer, cancer, flat extra premium, insurance life insurance, low stage and grade, major A+ rated life insurance company, melanoma, mortality information, no flat extrra, no logic to waiting, over 50 life insurance, prostate cancer, waiting period post treatment, watchful waiting
By Ed Hinerman on April 7, 2011
Whenever we talk about breast cancer life insurance the real meat of the discussion revolves around stage and grade. Just like the five year survival rate, life insurance for breast cancer survivors is a far better deal with an early stage and low grade. We know that a stage 0 or stage 1 breast cancer ...read more
Posted in breast cancer, cancer, insurance, life insurance | Tagged breast cancer, breast cancer life insurance, cancer, grade, insurance, life insurance, preferred rates, stage, TNM stage
