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By Ed Hinerman on November 30, 2012
Being in the impaired risk end of the life insurance business, and specializing in helping people who aren’t having any fun with their life insurance experience, almost everyone who calls or emails me has on thing in common. The have unfortunately allowed the wrong agent to take their application to the wrong company and, no ...read more
Posted in approval, bipolar disorder, decline, gastric bypass, insurance, life insurance, life insurance approval, Type 1 diabetes | Tagged 2000 companies, 6 understand 21st century underwriting, 6 understand modern medicine, being approved, civlian contractor Afghanistan life insurance, decline life insurance, focus your search, good knowledge of your impairment, impaired risk life insurance, insurance, key words, key words to attract traffic, life insurance, type 1 diabetes life insurance, use the internet, wrong agent, wrong company, wrong life insurance outcome
By Ed Hinerman on November 26, 2012
Let me start out by saying that traditional life insurance underwriting doesn’t reward treatment of health issues. That is as in DOES NOT reward. There are still life insurance companies out there that will whack a client like a golf ball for taking medication to control high blood pressure. It may only be one rate ...read more
Posted in Anxiety, bipolar disorder, Depression, gastric bypass, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity | Tagged Anxiety, bipolar disorder, blood pressure, common sense to reward, controlled bipolar disorder looks normal, cure type 2 diabetes, Depression, gastric bypass, gastric bypass life insurance, high blood pressure, insurance, insurance doesn't reward treatment, life insurance, minor mood disorders, mortality risk, obesity, obesity health baggage, reward those who take health seriously
By Ed Hinerman on December 12, 2011
When I came up with a title for this post it made me chuckle. It seemed so familiar….but we’re not talking about my granddaughter. This is about life insurance and specifically the negative impact you can have on your application by not following through on doctors orders. In all fairness, the issue of non compliance ...read more
Posted in Anxiety, gastric bypass, insurance, life insurance | Tagged appointments with specialists, approved better than applied for, blood work, gastric bypass information, insurance, issues of non compliance, job related anxiety, life insurance, life insurance underwriters, medical record management, mountain of medical records, negative impact on application, non compliance with doctors orders, tests, x rays
By Ed Hinerman on June 22, 2011
I’ve written frequently about the stigma that goes with being obese and choosing to have gastric bypass or bariatric surgery. I have to admit there was a time in my distant path when I looked at it as the easy way out. It was what people did if they didn’t want to work at losing ...read more
Posted in gastric bypass, insurance, life insurance, obesity | Tagged bariatric surgery, gastric bypass, insurance, life insurance, life insurance underwriting, obesity, reasonable rates, Type 2 diabetes
By Ed Hinerman on March 20, 2011
Let’s face it. Obesity has long had a stigma all its’ own. After all, as the stigma goes, no one held them down and fed them until they were morbidly obese! Lack of self control!! Why don’t they just go on a diet and get off their rears and get some exercise?? And then when ...read more
Posted in gastric bypass, insurance, life insurance, obesity | Tagged approval, bariatric surgery, gastric bypass life insurance, gastric bypass surgery, insurance, life insurance, life insurance underwriting, obesity, weight stability
By Ed Hinerman on December 22, 2010
Obesity! Obesity! OBESITY! That’s kind of the way our country has been going over the past 20-30 years. I remember growing up in Wyoming and, as rude as I may have been, really staring at morbidly obese people. They were just that rare. I get asked fairly often why life insurance companies rate people because ...read more
Posted in gastric bypass, life insurance, obesity | Tagged bariatric surgery, build charts, gastric bypass, insurance, life isurance, morbid obesity, obesity, weight loss
By Ed Hinerman on March 16, 2010
America has spent trillions of dollars monitoring, spying on and fighting enemies abroad since its’ inception. Now it would appear that we are being overtaken from the inside, not by armed terrorists, but by fat. Obesity is out to kick our behinds. Now I’ve got good news when it comes to availability of affordable life ...read more
Posted in gastric bypass, insurance, life insurance, obesity | Tagged cancer, diabetes, diet, exercise, fat, health care crisis, heart disease, insurance, life insurance, obesity, overweight, term insurance
By Ed Hinerman on December 14, 2009
The standard guideline for life insurance underwriting of gastric bypass surgery has generally been two years out from surgery and one year of weight stability. In other words most companies don’t really want to participate in your mortality post surgery, especially during the dramatic weight loss period. This is the period that most complications occur. ...read more
Posted in gastric bypass, insurance, life insurance | Tagged gastric bypass, insurance, life insurance, mortality, obesity, preferred plus, weight loss, weight stability
By Ed Hinerman on November 30, 2009
I’m often asked whether being declined for insurance, or highly rated, will influence how another company looks at a new application. The answer is truly an emphatic NO! Each company has their own underwriting criteria and their own philosophy and their medical director has their own opinion on health issues and what it all turns ...read more
Posted in gastric bypass, insurance, life insurance | Tagged cardiac issues, declines, diabetes, gastric bypass, insurance, life insurance, melanoma, obesity, postpone, pulmonary function, smoking, underwriting criteria
By Ed Hinerman on September 28, 2009
We just wrapped up a life insurance application with a successful approval at a standard rate class, the best we could have hoped for even in the absence of the bypass history. We have been dog determined to point out through this forum that the social stigma and risks that have often been attached to ...read more
Posted in gastric bypass, insurance, life insurance | Tagged diabetes, gastric bypass, high blood pressure, insurance, lap band, life insurance, obesity, standard rate, Type 2 diabetes
