by Ed Hinerman | Feb 26, 2015 | application process, blood pressure, compliance, cpap, decline, high blood pressure, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting, Sleep apnea
If 60 Minutes was doing a segment on life insurance applications and how underwriters interpret your medical records they would have to focus on one of the biggest stumbling blocks, doctor’s recommendations for testing. To be fair, there wasn’t any life...
by Ed Hinerman | Oct 31, 2012 | blood pressure, cholesterol, HDL, high blood pressure, insurance, life insurance
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...
by Ed Hinerman | Feb 22, 2012 | heart attack, high blood pressure, insurance, insurance quotes, life insurance, obesity
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...
by Ed Hinerman | Jan 19, 2012 | Anxiety, bipolar disorder, cholesterol, Depression, high blood pressure, insurance, life insurance
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 I am...
by Ed Hinerman | Nov 23, 2011 | blood pressure, cigar smokers, high blood pressure, hypertension, insurance, life insurance, smoking
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...
by Ed Hinerman | Aug 6, 2010 | diabetes, high blood pressure, insurance, life insurance
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...
by Ed Hinerman | May 25, 2010 | blood pressure, high blood pressure, hypertension, insurance, life insurance
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...
by Ed Hinerman | Nov 16, 2009 | blood pressure, high blood pressure, insurance, life insurance
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...
by Ed Hinerman | Oct 15, 2009 | heart attack, high blood pressure, insurance, life insurance
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...
by Ed Hinerman | Aug 6, 2009 | cholesterol, high blood pressure, insurance, life insurance
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...
by Ed Hinerman | May 18, 2009 | asthma, blood pressure, diabetes, high blood pressure, hypertension, insurance, life insurance, mortality, mortality risk, obesity, stroke, Type 2 diabetes
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...
by Ed Hinerman | May 14, 2009 | cholesterol, HDL, heart attack, high blood pressure, hypertension, insurance, life insurance, stroke
There are plenty of people that apply for life insurance and are sure they are going to get the best rate class available. In their mind they are even ahead of Superman because he has that disorder that has to do with Kryptonite. These people have never been sick,...
by Ed Hinerman | May 11, 2009 | bypass surgery, diabetes, gastric bypass, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes
There was a time when I had a whole different view of obesity and gastric bypass. I think the majority of folks still look at the whole thing through somewhat jaded and certainly uneducated eyes. I will just be right up front and ask to be forgiven for the way I felt...
by Ed Hinerman | May 1, 2009 | blood pressure, cpap, heart disease, high blood pressure, insurance, life insurance, obesity, Sleep apnea, stroke
Sleep apnea is one of those health issues that can elicit anything from a best rate class approval to a decline depending on two things, which company’s underwriter was involved and if you are truly treating the issue seriously. A layman’s sleep apnea...
by Ed Hinerman | Apr 24, 2009 | basal cell carcinoma, bipolar, bipolar disorder, blood pressure, decline, diabetes, high blood pressure, insurance, life insurance, obesity, Sleep apnea
Compliance and control! I haven’t beat that drum in a while, but that doesn’t change the fact that those two issues are the major underwriting issues in almost all life insurance applications where health is less than perfect. I have used that soapbox most...
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