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 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 January 29, 2013
Turning a declined life insurance application into an approval is usually not that hard. It’s how I make a living. But I have to admit that turning a decline from Allstate into a preferred plus approval through one of my companies is kind of like laying down a bunt and turning it into a home ...read more
Posted in approval, cancer, decline, insurance, life insurance, life insurance approval, prostate cancer, PSA | Tagged Allstate decline, Allstate llife insurance decline, chronically elevated psa life insurance, insurance, life insurance, preferred plus approval, prostate cancer life insurance, prostate specific antigen, PSA, unneeded biopsies
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 June 30, 2012
With the majority of skin cancer being basal cell carcinoma and squamous cell carcinoma, both almost underwriting non issues unless there have been multiple instances, the challenge lies mostly under the melanoma heading. As I’ve stated with so many other types of cancer, the improvements in detection and treatment have made this once instant decline ...read more
Posted in basal cell carcinoma, cancer, insurance, life insurance, life insurance approval, melanoma, squamous cell carcinoma | Tagged basal cell carcinoma, basal cell carcinoma nevus syndrome, Breslow thickness, Clarks level 1 or 2, insurance, life insurance, lower stage and grade better approval, melanoma, melanoma life insurance, melanoma life insurance underwriting, mole biopsy, multiple instances, no longer ignore moles, one instance of basal cell, skin cancer life insurance, squamous cell carcinoma, the way moles are treated
By Ed Hinerman on June 28, 2012
A real show stopper in the life insurance application process is when a PSA comes back high, or at least elevated compared to previous PSA’s. This has turned into something of a fussing point since, in most cases, life insurance underwriters will postpone an application until the reason for the PSA elevation is diagnosed. In ...read more
Posted in cancer, insurance, life insurance, prostate cancer, PSA | Tagged affordable life insurance, approved for affordable life insurance, approved for life insurance, approved life insurance impairment, definitively rule out prostate cancer, free PSA, insurance, life insurance, life insurance application process, needle biopsy, PHI, prostate cancer, prostate cancer life insurance, prostate cancer life insurance underwriting, prostate health index, prostate specific antigen, PSA, watchful waiting, watchful waiting accepted treatment |
By Ed Hinerman on June 22, 2012
Can you imagine how bored I would get if I couldn’t count on AARP to provide blog material on an absolutely continuous, unending basis? After all of the really awful things I’ve had to say about the AARP/New York Life insurance program over the years, my last two posts have been about their good side. ...read more
Posted in AARP, beneficiary, cancer, contestability, contestability period, death benefit, insurance, life insurance, New York Life | Tagged AARP, AARP life insurance products awful, AARP life insurance products unfair, AARP ordering medical records, AARP was wrong, AARP/New York Life, claims, claims department, claims person, contestability, death benefit, get out of paying legitimate claims, insurance, lapsed policy, life insurance, reinstatement
By Ed Hinerman on May 30, 2012
Either life insurance underwriters aren’t buying into what researchers and doctors are saying about the PSA, prostate specific antigen test, or in the case of one underwriter she’s just believing what he wants to believe to get through this case and not look like she conceded anything. I have a client whose PSA was found ...read more
Posted in cancer, insurance, insurance quotes, life insurance, prostate cancer, PSA | Tagged biopsy negative, insurance, life insurance, life insurance company, life insurance underwrriting, low grade, low stage, margin of error PSA test, prostate cancer, prostate cancer latent, PSA, PSA elevated, PSA life insurance |
