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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 February 22, 2012
I’m all for rounding off. I mean if I owed someone $9 and I had a ten in my wallet and they didn’t have change I would call it good. I know. I know. One of the reasons I’m not filthy rich or any other kind of rich. There is something of a rounding off ...read more
Posted in heart attack, high blood pressure, insurance, insurance quotes, life insurance, obesity | Tagged accurate quotes, actual weight, entire health history, fudging, health history, heart or circulatory system disorder, insurance, last 5 years, life insurance, life insurance quotes, manipulate the quote process. Have you ever questions, obesity, Postural orthostatic tachycardia syndrome, POTS, rounding off, shops relevant information, well controlled
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 November 23, 2011
I know I go through some weeks sure that all life insurance underwriters are kind of mechanical. They look at the records and the labs and look in their underwriting guide and stamp the appropriate approval on it and then on to the next. No emotions. Just the facts ma’am! But then a day rolls ...read more
Posted in blood pressure, cigar smokers, high blood pressure, hypertension, insurance, life insurance, smoking | Tagged blood pressure treatment, chew, cigars, cotinine, deceptive, declined, insurance, lied, life insurance, life insurance underwriters, nicotine was positive, non smoking rates, pipe smoking, positive cotinine, retention limit, retest, smoked, smoking rates, used tobacco or nicotine
By Ed Hinerman on August 6, 2010
Non compliance, not following doctor’s orders, is a choice we all come face to face with whenever we leave the doctor’s office. Whether it is a recommended followup or additional testing, prescribed medication that needs to be taken as prescribed to be effective, or followup appointments to see how you’re doing, insurance underwriters take your ...read more
Posted in diabetes, high blood pressure, insurance, life insurance | Tagged bipolar disorder, compliance, declined, diabetes, doctor prescribed medication, insurance, life insurance, non compliance, postponed, testing, treatment, Type 2 diabetes
By Ed Hinerman on May 25, 2010
I had a screening not too long ago of my carotid artery for any blockage. They also checked the aorta for any sign of aortic aneurysms, and my blood pressure was measured on both arms and both legs to check for any indication of peripheral vascular disease or hypertension. This was a free checkup provided ...read more
Posted in blood pressure, high blood pressure, hypertension, insurance, life insurance | Tagged blood pressure, carotid artery, heart attack, high blood pressure, hypertension, insurance, kidney disease, life insurance, peripheral vascular disease, silent killer, stroke
By Ed Hinerman on November 16, 2009
In Job 12:11 it says “Does not the ear test words, as the palate tastes its food?” When a life insurance agent gives you a quote that you know sounds a little too good, do you question it or set yourself up for disappointment by choosing to believe something that, deep down, you really know ...read more
Posted in blood pressure, high blood pressure, insurance, life insurance | Tagged Banner Life, blood pressure, high blood pressure, Independent agent, insurance, life insurance, Minnesota Life, Savings Bank Life, trial quotes, underwriting guidelines
By Ed Hinerman on October 15, 2009
Sometimes when I ask the medical questions that are part of the first interview with prospective life insurance clients I get the feeling that I should have gone through them twice, or three times. Each time I should say something like, “Now when I go through the questions this time I want you to carefully ...read more
Posted in heart attack, high blood pressure, insurance, life insurance | Tagged chest pain, cholesterol, heart attack, heart murmur, high blood pressure, insurance, life insurance, mitral valve prolapse, stroke
By Ed Hinerman on August 6, 2009
I am beginning to believe that our little mountain town here in one of the healthiest states according to several studies, is home to a bunch of closet cholesterol snarfers. I know you don’t really snarf cholesterol, but I also know that if you do the typical male thing and ignore it, don’t get checkups ...read more
Posted in cholesterol, high blood pressure, insurance, life insurance | Tagged bypass surgery, cholesterol, family history, HDL, heart attack, high blood pressure, insurance, life insurance, responsbility, stupid, typical male, weight
By Ed Hinerman on May 18, 2009
Guilty as charged. I am one of those recovering saltaholics that grabs the salt shaker and tops off a meal before I’ve even taken a bite to see if it needs it. I love salt and although I am getting better about at least giving something a taste first, the truth is, well, I’m still ...read more
Posted in asthma, blood pressure, diabetes, high blood pressure, hypertension, insurance, life insurance, mortality, mortality risk, obesity, stroke, Type 2 diabetes | Tagged asthma, blood pressure, diabetes, high blood pressure, hypertension, insurance, life insurance, mortality, mortality risk, obesity, stroke, Type 2 diabetes