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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 April 10, 2012
It’s not like I’m some grumpy old guy that just thinks young men are stupid. There are a lot of refreshingly intelligent and down to earth young men out there who believe in stepping up to the plate, especially when it’s a plate of their own making. The thing that happens most often with young, ...read more
Posted in cholesterol, insurance, insurance quotes, life insurance | Tagged cholesterol, cholesterol ratio, cost of insurance, could afford it, customer really isn't always right, full medical underwriting, insurance, insurance quotes only as good as exam results, life insurance, life insurance application, like the old days, never been to a doctor, never had labs done, over 50 life insurance, responsibility, same price, young guys |
By Ed Hinerman on January 19, 2012
As I come to grips with the fact that I am going to have to switch from Windows XP to Windows 7 and from Outlook Express to Outlook, I am a bit stressed. To bring you up to speed on the kind of stress I am going through, I wrote this post this morning. Because ...read more
Posted in Anxiety, bipolar disorder, cholesterol, Depression, high blood pressure, insurance, life insurance | Tagged approve at preferred plus rates, attorneys, best rate class, better rate class than industry average, blood pressure, CEO's, cholesterol, coping mechanism, insurance, life insurance, life insurance underwriters, minor mood disorder, mood disorder treatment, mood stablizing, mothers dealing with children, physicians, Prozac, rate class reflect mortality risk, stress, treated for ADD, treated for anxiety, treated for bipolar disorder, treated for depression, well controlled, Wellbutrin, Windows 7, Zoloft |
By Ed Hinerman on January 7, 2012
I recently shared about an insurance applicant who was approved by Transamerica at table 4 due to some admirably huge lipid readings. His Trigs were 862, total cholesterol 348 and HDL/total ratio 9.25. I encouraged him to take those results directly to his doctor. I told him the first thing he would get is a ...read more
Posted in cholesterol, HDL, insurance, life insurance | Tagged averaging two sets of labs, cholesterol, HDL, HDL/total ratio, highly rated policy, huge lipid readings, insurance, life insurance, lipid, massive doses of IV statins, preferred plus cardiac health, total cholesterol, triglycerides
By Ed Hinerman on December 19, 2011
I remember a few years ago when my wife was running scared because her cholesterol on the results from our community health fair were over 200, just barely. Her HDL was 60. She might die from worrying, but her arteries weren’t plugging. Late last week I had a call from a potential life insurance client ...read more
Posted in cholesterol, insurance, life insurance | Tagged artery blocking lipid panel, cheeseburgers intravenously, cholesterol, full physical, HDL, high cholesterol ratio, high total cholesterol, high triglycerides, insurance, labs from health fair, less expensive, life insurance, life insurance client, rated by Transamerica, replace with a lower price policy
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 8, 2011
I realize it may have only been yesterday since I went off on one of the mega agencies, but really, what part of customer service do they not get? Today I had a client who had applied for a term life insurance policy through Selectquote. He is a perfectly healthy specimen and the Selectquote agent ...read more
Posted in cholesterol, insurance, life insurance, term insurance | Tagged cholesterol ratio 4.7, eats into profits, incorrectly charged annual premium, insurance, lacking lacking in integrity, life insurance, mega agencies, new application could do better, profit before honesty, qualified for a better rate, quoted best rate available, Selectquote, temporary insurance agreement, term life insurance |
By Ed Hinerman on December 6, 2011
Where has our American “get er done” philosophy gone? It seems like I run into cases everyday where a person’s life insurance agent gives up if they application is not approved at the rate they thought their customer would get, or even declined. I was working with a client who had come to me from ...read more
Posted in cholesterol, Independent agent, insurance, insurance quotes, life insurance | Tagged any result is acceptable, approved preferred plus, cholesterol, declined, field underwriting, Independent agent, insurance, life insurance, life insurance agent, life insurance application, life insurance exam, mega agency, multiple applications, not approved, Selectquote, wrong company, wrong results, wroong agent
