Browse: Home / coronary artery disease (CAD)
By Ed Hinerman on May 24, 2012
I just wrote yesterday about the difference between life insurance underwriters and doctors when it comes to how they view information and another on popped on the scene today that could be an interesting bit of sparring. The question at the center of this is whether a medical test result that falls in the normal ...read more
Posted in coronary artery disease (CAD), ejection fraction, heart disease, insurance, life insurance, LVEF | Tagged cardiologist normal is normal, echocardiogram, ejection fraction, insurance, life insurance, life insurance underwriter, lipid panel to die for, LVEF, medical test result normal, medical test result not normal enough, mistake that higher EF is better, no actuarial basis, normal range 50% to 65%, treadmill stress test, underwriter low normal is almost not normal, underwriters playing doctor
By Ed Hinerman on March 30, 2012
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval suimmediately upon completion of successful treatment. They also opened the door for approvals of ...read more
Posted in Attention Deficit Disorder, bipolar disorder, cancer, coronary artery disease (CAD), cpap, impaired risk life insurance, insurance, life insurance, melanoma, over 50 life insurance | Tagged approval immediately upon completion of successful treatment, best rate class, bladder cancer, calcium scores, cancer, cancer underwriting has been abusive, cardiac risk factor, colon cancer, EBCT, eneterainer life insurance, Gleason grade 8, highest rated carriers, improved survival rates, in situ, insurance, life insurance, low stage and grade, melanoma, more breakthrough news, moving in the right direction, non smoker, papillary carcinoma thyroid, professional athlete life isurance, standard rates or better, surgical treatment only, testicular seminoma
By Ed Hinerman on August 13, 2011
It’s been years since I’ve run head long into an ultra fast CT scan that just simply defies all logic. Ultra fast CT scans are used to stop the heart mid beat so the chambers and arteries can be looked at in detail. It has been touted as the answer to non invasive coronary artery ...read more
Posted in coronary artery disease (CAD), heart disease, insurance, life insurance | Tagged CAD, calcium score, cardiac risk factor, cholesterol, heart disease, insurance, invalid conclusions, life insurance, non invasive, stress echocardiogram, thallium stress test, ultra fast CT scan
By Ed Hinerman on December 15, 2010
I have to admit that if it wasn’t for life insurance applications being declined, we wouldn’t do a lot of business. I’ve shared before that most of our clients come to us because they had life insurance declined elsewhere, or they are afraid that if they do apply it will be declined. Most life insurance ...read more
Posted in coronary artery disease (CAD), decline, life insurance, prostate cancer | Tagged angioplasty, approval, cholesterol, coronary artery disease, declined, declined life insurance, echocardiogram, insurance, life insurance, prostate cancer
By Ed Hinerman on June 11, 2009
Angioplasty has been praised for its’ less invasive approach to fixing clogged arteries than the traditional bypass surgery by many and it has been labeled a dangerous scam by others. In light of a couple of takes on angioplasty by CBS news this week I want to throw out some discussion about the subject from ...read more
Posted in angioplasty, coronary artery disease (CAD), heart attack, insurance, life insurance | Tagged angioplasty, bypass surgery, clot busting drugs, coronary artery disease, heart attack, insurance, life insurance, non emergency |
By Ed Hinerman on May 13, 2009
With most life insurance agents and most life insurance company underwriters, the mere mention of a history of seizure disorders or epilepsy is enough to bring the conversation and the application to a screaming halt. Not unlike a lot of the less common health issues, the agents don’t know what to ask and the underwriters ...read more
Posted in cholesterol, coronary artery disease (CAD), diabetes, epilepsy, Independent agent, insurance, life insurance, mortality, mortality risk, seizure disorder | Tagged cholesterol, coronary artery disease, diabetes, epilepsy, indepndent agent, insurance, life insurance, mortality, mortality risk, seizure disorder |
By Ed Hinerman on April 15, 2009
I’ve certainly questioned the IQ of more than one life insurance underwriter over the years. I may have even insinuated that a few didn’t even make into on to the IQ scale. But the truth is there are two types of underwriters working on life insurance applications for us. The first, a group we try ...read more
Posted in bipolar, bipolar disorder, breast cancer, cancer, coronary artery disease (CAD), decline, Depression, Independent agent, insurance, life insurance, obesity, Sleep apnea | Tagged bipolar, bipolar disorder, breast cancer, cancer, coronary artery disease (CAD), decline, Depression, Independent agent, insurance, life insurance, obesity, Sleep apnea
By Ed Hinerman on March 10, 2009
There are probably more than five tips for type 1 and type 2 diabetics who are looking for life insurance and don’t want to pay through the nose for it, but let’s take a quick look at the most important. 1. Educate yourself about your diabetes. Understand and be able to explain to an independent ...read more
Posted in A1c, blood pressure, coronary artery disease (CAD), diabetes, heart disease, hypertension, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes | Tagged A1c, blood pressure, coronary artery disease (CAD), diabetes, heart disease, hypertension, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
By Ed Hinerman on January 10, 2009
Just 10 days into the year. 1/36th of the way through it. We hardly even have our feet wet in the new year yet and I have been bowled over by as much acute denial in this short period than I am in an average month. Is it possible the economic meltdown is causing mental ...read more
Posted in bypass surgery, coronary artery disease (CAD), heart attack, heart disease, insurance, life insurance, smoking | Tagged bypass surgery, coronary artery disease (CAD), economic meltdown, heart attack, heart disease, insurance, life insurance, smoking
By Ed Hinerman on July 21, 2008
One of the challenges we face each week is finding affordable life insurance for people who have suffered a heart attack, or have undergone angioplasty or heart bypass surgery after having chest discomfort due to blocked arteries. The good news! The folks we are helping are alive and with the often hidden heart problem revealed, ...read more
Posted in angioplasty, bypass surgery, coronary artery disease (CAD), heart attack, insurance, life insurance | Tagged angioplasty, bypass surgery, coronary artery disease (CAD), heart attack, insurance, life insurance
