By Ed Hinerman on August 2, 2012
OK. I made it up just to get your attention. No, seriously. Companies are just blowing me away with the offers and approvals they are giving on low stage and grade cancers. In this case I have a company approving a policy at preferred 3 months after a melanoma was removed at preferred. Most companies ...read more
Posted in basal cell carcinoma, breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer, squamous cell carcinoma | Tagged breast cancer, cancer, cancer life insurance, Clark's level 1, colon cancer, gave up trying to get life insurance, higher stages and grades, impaired risk life insurance, in situ, Independent agent, insurance, life insurance, low grade, low stage, melanoma is dangerous, melanoma life insurance, melanoma removed two months before applying, preferred rates, prostate cancer, prudent reaction to improved treatmentt, prudent reactions to early detection, stage 0, Stage 1, willing to shop extensively
By Ed Hinerman on July 28, 2012
This last year has been full of life insurance underwriting break throughs from major companies, especially in the area of cancer. In previous posts I’ve talked about the logic of this being tied to earlier detection and much better treatment options than have been available in the past. The real thrust is that underwriters are ...read more
Posted in breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer | Tagged approval immediately after successful treatment, better treatment options, breast cancer, colon cancer, eariler detection, in situ colon cancer, insurance, life insurance, life insurance over 60, life insurance underwriting breakthrough, low stage and grade, preferred rates 10 years post treatment, prostate cancer, successful treatment
By Ed Hinerman on June 30, 2012
With the majority of skin cancer being basal cell carcinoma and squamous cell carcinoma, both almost underwriting non issues unless there have been multiple instances, the challenge lies mostly under the melanoma heading. As I’ve stated with so many other types of cancer, the improvements in detection and treatment have made this once instant decline ...read more
Posted in basal cell carcinoma, cancer, insurance, life insurance, life insurance approval, melanoma, squamous cell carcinoma | Tagged basal cell carcinoma, basal cell carcinoma nevus syndrome, Breslow thickness, Clarks level 1 or 2, insurance, life insurance, lower stage and grade better approval, melanoma, melanoma life insurance, melanoma life insurance underwriting, mole biopsy, multiple instances, no longer ignore moles, one instance of basal cell, skin cancer life insurance, squamous cell carcinoma, the way moles are treated
By Ed Hinerman on March 30, 2012
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval suimmediately upon completion of successful treatment. They also opened the door for approvals of ...read more
Posted in Attention Deficit Disorder, bipolar disorder, cancer, coronary artery disease (CAD), cpap, impaired risk life insurance, insurance, life insurance, melanoma, over 50 life insurance | Tagged approval immediately upon completion of successful treatment, best rate class, bladder cancer, calcium scores, cancer, cancer underwriting has been abusive, cardiac risk factor, colon cancer, EBCT, eneterainer life insurance, Gleason grade 8, highest rated carriers, improved survival rates, in situ, insurance, life insurance, low stage and grade, melanoma, more breakthrough news, moving in the right direction, non smoker, papillary carcinoma thyroid, professional athlete life isurance, standard rates or better, surgical treatment only, testicular seminoma
By Ed Hinerman on March 10, 2012
I was encouraged by a client to contact Kristi Schmitt Burr, the executive director of the Basal Cell Carcinoma Nevus Syndrome Life Support Network, BCCNS.org. I have 14+ years experience in working with clients who fall into the impaired risk category of life insurance. That simply means they have health challenges that cause problems for ...read more
Posted in basal cell carcinoma, cancer, insurance, life insurance, melanoma, squamous cell carcinoma | Tagged arguable with life insurance underwriters, basal cell carcinoma, basal cell carcinoma nevus syndrome, BCCNs.org, declined, higher risk for melanoma, insurance, life insurance, melanoma, multiple basal cell carcinomas, over priced policy, skin cancer issues, skin cancer life insurance, squamous cell carcinoma, stage and grade
By Ed Hinerman on February 4, 2012
I’ve written a lot over the years about the life insurance underwriting of skin cancer. It’s been a mixed bag of good news and bad news depending on whose study life insurance underwriters wanted to use as their mortality test that month, but overall great strides have been made. My blog is littered with the ...read more
Posted in basal cell carcinoma, cancer, insurance, life insurance, melanoma | Tagged 20-30 basal cell carcinomas, 30 year term insurance, basal cell carcinoma, best rate class, insurance, life insurance, life insurance underwriting of skin cancer, melanoma, mortality risk, multiple basal cell, nevoid basal cell syndrome, preferred rates, regular trips to dermatologist, skin cancer life insurance, standard rate
By Ed Hinerman on January 28, 2012
I got a call yesterday from a woman who had just been declined for a new life insurance because she had two melanomas in the last 11 years. After the second melanoma she decided she was a little more mortal than she had originally figured and wanted to increase her life insurance. So, she called ...read more
Posted in basal cell carcinoma, cancer, decline, insurance, life insurance, melanoma | Tagged approval, basal cell carcinoma, Clarks level II, declined, insurance, life insurance, low stage, melanoma, multiple occurences, new life insurance declined, pathology report, shop before quoting, skin cancer, squamous cell carcinoma
By Ed Hinerman on December 14, 2011
What a crazy year for underwriting life insurance. There have been shifts all over the map from type 1 diabetes to melanoma history, with some of the best news coming for private pilots. It’s been quite a while since we’ve had as many solid players in the hunt for private pilot life insurance. In fact, ...read more
Posted in insurance, life insurance, melanoma, pilot, private pilots, Type 1 diabetes | Tagged best rate class, CFII, fixed wing, flight instructors, great news, helicopter pilot, IFR, insurance, life insurance, PIC hours, pilots, private pilot life insurance, private pilots, student pilots, the new good old days, using helicopter to commute, VFR
By Ed Hinerman on November 17, 2011
Talk about a health issue that’s been around the block several times and every time something new pops up. Skin cancer is it! We’ve seen great strides in underwriting melanoma with a recent approval at standard plus rates just four months out from treatment. Obviously a best case scenario! It was a stage 0, very ...read more
Posted in basal cell carcinoma, cancer, insurance, life insurance, melanoma | Tagged basal cell carcinoma, best rate class, insurance, life insurance, melanocytic nevus, melanoma, mortality assumptions, multiple basal cell carcinomas, nevoid basal cell carcinoma syndrome, skin cancer, skin cancer life insurance, underwriting melanoma
By Ed Hinerman on August 11, 2011
What a summer, huh? I heard on the news the other day that somewhere in Oklahoma had set a new all time record high for any state over a full month. We’re talking hotter than Arizona!! I’m pretty blessed to live at 7000′ in Colorado where yesterday the high was 88 and the low was ...read more
Posted in basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma | Tagged basal cell carcinoma, better than standard rates, Breslow, Clark, grade, insurance, life insurance, melanoma life insurance, melanoma. malignant melanoma, skin cancer, skin cancer life insurance, squamous cell carcinoma, stage, TNM staging
