By Ed Hinerman on April 1, 2013
$12 a month! 70% lower life insurance rates! Just pennies a day! Between the internet and tv there can’t possibly be a person left that doesn’t know that somehow, somewhere people might qualify for really cheap insurance. But how do you know when you’ve applied and been approved for a life insurance company’s best rate ...read more
Posted in application process, approval, diabetes, ING Reliastar, insurance, life insurance, Sleep apnea | Tagged $12 a month, 70% lower rates, best rate available, best rate class available, companies that offer bonuses, favorite companies, hundreds of thousands fell victim, independent agents, ING Reliastar, insurance, life insurance, mega agencies, pennies a day, really cheap life insurance, sticking clients with 2nd best rate
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 September 20, 2012
There’s always a little hesitance on my part to proclaim an underwriting breakthrough to actually be an underwriting breakthrough for a couple of reasons. First, life insurance underwriting guidelines have been known to change for the better and back again and kind of like buying stock, I don’t want to be attracting customers on the ...read more
Posted in A1c, diabetes, insurance, life insurance, Type 1 diabetes | Tagged adult onset type 1, approval, approval criteria, compliance, control, diabetes life insurance, insurance, juvenile onset type 1, life insurance, pancreas transplant, type 1 diabetes life insurance, underwriting stance on type 1 diabetes
By Ed Hinerman on July 16, 2012
I feel like one of those people who puts tacks in a map every time they visit another state. I am literally sticking pins in the type 1 diabetes life insurance approval map and the number of areas where we are getting approvals is growing every few weeks. As covered in the last post I ...read more
Posted in diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes | Tagged adult onset age 45 currently 57, adult onset under 40, affordable approval, current age under 30, decline, diabetes, diabetes hasn't cause collateral health issues, diabetes well controlled, impaired risk life insurance, impaired risk underwriting, insurance, juvenile onset adult over 30, kidney transplant life insurance, life insurance, life insurance impairments, onset prior to age 5, pancreas transplant, teen onset adult under 40, Type 1 diabetes, type one diabetes, well controlled type 1 diabetes life insurance |
By Ed Hinerman on June 6, 2012
I’ve talked often about the fact that easily 99% of life insurance companies underwrite by the book, the underwriting manual, and for most of them it hasn’t changed since we only had 49 states. If the word bipolar is on the application you are declined. If you’re not bipolar but take, for instance, Lamictal or ...read more
Posted in A1c, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes | Tagged A1c's below 7, Abilify, adult onset type 1 diabetes, affordable rates, bipolar, bipolar disorder, compliance and control, diabetes, insurance, juvenile onset type 1 diabetes, Lamictal, life insurance, life insurance approvals, no collateral health issues, recent approvals, Type 1 diabetes |
By Ed Hinerman on June 5, 2012
It’s what we’re all looking for, right? The path of least resistance. I know whenever I can I would prefer to do as little as possible and, really, honestly, I would kind of like instant gratification. Hey it leaves more time for the fun stuff. Getting affordable life insurance when you’ve had health issues could ...read more
Posted in diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes | Tagged affordable life insurance, approved affordable life insurance, approved life insurance, decline, decline type 1 diabetes, diabetes, how to get it done, impaired risk life insurance, insurance, less money for life insurance, life insurance, life insurance health issues, most companies decline type 1 diabetes, no exam, Type 1 diabetes |
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 March 13, 2012
Declined life insurance applications. It’s where most of my customers come from. I do have a pretty fair block of business with private pilots and a growing business with Lloyds of London in high risk and high limit insurance policies such as coverage for contract workers in war zones and people that climb mountains. But ...read more
Posted in decline, diabetes, impaired risk life insurance, insurance, insurance quotes, life insurance, no exam, private pilots | Tagged agent doesn't ask questions about impairment, archaic underwriting, bipolar disorder, captive agents, declined life insurance application, diabetes, former car salesmen, heart attack, high limit insurance, high risk insurance, impaired risk life insurance, independent agents, insurance, life insurance, no exam nonsense, no health questions nonsense, pre approved to be declined, quote from an underwriter, relevant to mortality, Selectquote, wrong life insurance agent, wrong life insurance company, Zander |
By Ed Hinerman on February 28, 2012
I got an email from a life insurance agent today asking me if I could recommend a guaranteed issue life insurance company in Massachusetts. He indicated that he had run into several clients that were uninsurable and wanted to find the best company to write graded benefit guaranteed issue life through. I know I’ve talked ...read more
Posted in Alcohol Treatment Life Insurance, decline, diabetes, Drug Treatment Life Insurance, insurance, life insurance, prostate cancer | Tagged alcohol abuse treatment, angioplasty, basal cell carcinoma syndrome, cardiac bypass surgery, complant treatment, Drug Treatment Life Insurance, easily approved, gastric bypass surgery, guaranteed issue life insurance, insurance, life insurance, life insurance agent, life insurance approval, life insurance decline, melanoma, moles with dysplastic nevi, prescription drug abuse treatment, prostate cancer watchful waiting, prudentt treeatment, Type 1 diabetes, Type 2 diabetes, underwriting guidelines, well controlled |
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