by Ed Hinerman | Oct 31, 2020 | atrial fibrillation, coronary artery disease (CAD), heart attack, heart disease, life insurance
I wrote this post three and a half years ago and there have been several positive changes in the life insurance underwriting of heart disease and heart disorders. I hope the updated information below will give you the answers you need about how to acquire life...
by Ed Hinerman | Apr 24, 2020 | cancer, diabetes, heart disease, life insurance, life insurance approval
Were You Denied Life Insurance Because Of A “High Risk” Medical Condition? Being declined for anything just feels wrong, right? Being denied a car loan when you know you can make the payments is kind of a personal affront. I mean the ads on TV are...
by Ed Hinerman | Mar 6, 2020 | coronary artery disease (CAD), heart attack, heart disease, life insurance
Can I Get Life Insurance With A Heart Condition Or Heart Disease If you haven’t personally experienced the trauma of a heart attack or being told that you have a life changing heart condition, like me, I’m sure you know someone who’s had one of those...
by Ed Hinerman | Dec 4, 2019 | heart attack, heart disease
Is there a 5 year waiting period for life insurance approval? The answer to that question may have been yes at some point in life insurance history with some companies but not in the last 20 years and not with the companies I represent. It is more likely that this 5...
by Ed Hinerman | Jul 26, 2016 | angioplasty, approval, attending physician statement, bypass surgery, clinical underwriting, coronary artery disease (CAD), family history, heart attack, heart disease, insurance, life insurance
Coming off a post just a few days ago where I beat the compliance drum into a lather because that is what life insurance underwriters want to see, I turn around and shop a case where all of the underwriters fly in the very face of what they said and what I repeated. I...
by Ed Hinerman | Oct 20, 2014 | disability, heart disease, insurance, insurance quotes, life insurance, ratings
I’m working on a case right now, a tricky case because it involves life insurance for someone age 69, who was diagnosed with heart disease and diabetes 10 years ago. He had a one vessel angioplasty with a stent and was on medication for both issues, until he...
by Ed Hinerman | Jul 3, 2014 | angioplasty, approval, business life insurance, coronary artery disease (CAD), executives, family history, heart disease, insurance, life insurance, life insurance approval, life insurance underwriting
I’m working on one of those stranger than fiction life insurance cases right now. When I shopped it and got the first round of responses I literally sent all of them back out and ask them if they had read my request correctly. Surely they had missed something...
by Ed Hinerman | May 24, 2012 | coronary artery disease (CAD), ejection fraction, heart disease, insurance, life insurance, LVEF
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...
by Ed Hinerman | Jan 6, 2012 | A1c, bipolar disorder, cancer, heart disease, insurance, life insurance
It would interesting to understand the psychology of an average life insurance agent. I know that there are plenty of truly lazy agents out there who, it appears, have a template that your life insurance application needs to fit into. If it doesn’t fit they...
by Ed Hinerman | Dec 1, 2011 | Biggest Loser, diabetes, heart disease, insurance, life insurance, obesity
There is probably no one more prevalent issue that affects life insurance underwriting more than weight. With 30+% of our country meeting the criteria for being obese, face it, every application we get has a 1 in 3 chance of build and BMI being an underwriting issue....
by Ed Hinerman | Sep 8, 2011 | heart disease, Independent agent, insurance, life insurance, term insurance
Most people are familiar with the standard rate classes for life insurance. From the very best they usually go something like preferred plus, preferred, standard plus, standard. Different companies may call them something different, or only have three standard classes...
by Ed Hinerman | Aug 13, 2011 | coronary artery disease (CAD), heart disease, insurance, life insurance
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...
by Ed Hinerman | Jul 26, 2011 | bait and switch, cancer, heart disease, Independent agent, insurance, life insurance
I am left shaking my head occasionally when I hear a client say that my quote is much higher than some other quote they have received. Since I shop virtually every case I quote I am confident when I send out quotes, well, they are as good as it is going to be after...
by Ed Hinerman | Dec 29, 2010 | bipolar, bipolar disorder, bypass surgery, heart disease, insurance, life insurance
The term high risk gets thrown around in the life insurance world probably way more than it should. The truth is that with the exception of truly high risk companies like Lloyds of London, life insurance companies would “prefer not to participate” in a...
by Ed Hinerman | Dec 6, 2010 | bipolar, bipolar disorder, heart disease, insurance, life insurance
You know how it is when you’re learning to do something new. There’s a hard way to do it and there’s an easy way to do it. Almost without exception the hard way is the one that comes naturally. I’ve been learning for 3 years now how to get...
Recent Comments