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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 November 19, 2012
This is one of these subjects that goes in several directions. Your doctor’s opinion can help you get the best possible life insurance rate. It can also bring your life insurance application to a screeching halt and if it ever comes down to who is right, the underwriter or your doctor, the answer can confound ...read more
Posted in compliance, insurance, insurance quotes, life insurance, life insurance approval, mortality, mortality risk | Tagged discussion about mortality, doctor's opinion, doctor's opinion can help, doctors make you feel better, doctors treat you, doesn't make sense, insurance, life insurance, life insurance underwriter, lung cancer, mortality, nothing to worry about, paying twice as much for life insurance, poor compliance, poor control, second opinion, smoking, underwriter thinks I'm dying, write cover letters, you aren't paying attention to doctor
By Ed Hinerman on October 30, 2012
There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an eye opener right now. I’ve tried to note each change or solidification of a change as it happens, but let’s ...read more
Posted in breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life | Tagged AG38 reserves, best permanent product on the market, bipolar disorder, breast cancer, clinical underwriting, compliance and control, declines in the past, insurance, life insurance, life insurance underwriting, melanoma, no lapse guarantee UL, prostate cancer, rate increase, reasonal approvals, replace failing traditional UL, second to die life insurance, significant opportunity exists. small or large permanent policies, small window to apply, Type 1 diabetes, universal life
By Ed Hinerman on July 12, 2012
There are several ways to deal with an out of control weight problem from a health standpoint, but from a life insurance point of view it’s pretty clear cut. If you are morbidly obese the best case is that you will have to pay more than the average person for your life insurance and in ...read more
Posted in Biggest Loser, Fat March, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity | Tagged affordable life insurance, Biggest Loser, BMI, control weight problem, diet and exercise, drastic measures, Fat March, gastric bypass, improved health and energy, insurable weight, insurance, life insurance, life insurance you need, morbid obesity, obesity, obesity challenge, obesity life insurance, overweight, preferred rates, uninsurable, Weight Watchers
By Ed Hinerman on November 28, 2011
Parents and grandparents need look no further for the perfect gift for your child or grandchild than the life insurance industry. Let’s just be stone cold real about this. Children often wait until they are in their 40′s to consider getting life insurance. The why of that is no mystery. Young adult people feel immortal ...read more
Posted in insurance, Juvenile life insurance, life insurance, mortality risk | Tagged child rider, dependent, dying prematurely, guaranteed future insurability, Illinois Mutual Childguard, insurance, Juvenile life insurance, life insurance, parents grandparents, responsibilities of parenthood, time to look into life insurance, young adult
By Ed Hinerman on September 29, 2011
Since we have been able to nail down some very affordable rates for accidental death and dismemberment policies for civilian workers in war zones or really anywhere in the world, things have been hopping. Whether you are going to Kabul for a week or Somalia for a year or more we are now able to ...read more
Posted in accidental death, insurance, life insurance, mortality risk, private pilots | Tagged accidental death, ADD, afforable, best pricing, bush pilots, civilian contractors, civlian workers, helicopter pilots, hunt grizzly bears, insurance, life insurance, Oil platform workers, scuba diving caves, scuba diving wrecks, war zones |
By Ed Hinerman on August 9, 2011
The 70% savings lure in life insurance advertising is probably been so used that it is a brand by itself. Never mind the companies the promote it, who wouldn’t want to save 70% over what they are currently paying for a comparable life insurance product. So, the good news is that it’s real. Let’s look ...read more
Posted in insurance, life insurance, mortality, mortality risk, term insurance, whole life | Tagged 70% savings, guaranteed level term, high blood pressure, Independent agent, insurance, life insurance, perfect health, right agent, right company, sleep apnea life insurance, whole life
By Ed Hinerman on October 20, 2010
I’ve been specializing in “impaired risk” life insurance cases for the past 13 years and often find that people are confused about the term. They can get their mind wrapped around the idea that they have an impairment, but when you add the word risk the mind kind of automatically adds in the word bad, ...read more
Posted in bipolar disorder, insurance, life insurance, mortality risk | Tagged approval, best rate class, bipolar, bipolar disorder, Depression, diabetes, insurance, life insurance, mood disorders, mortality risk, Type 1 diabetes, underwriting
By Ed Hinerman on June 7, 2010
A lot of people understand why and know that a standard rate approval is coming on life insurance and are happy to get it. On the other side of the coin are those that receive a standard rate approval and are taken aback by it, taking offense to not receiving a better offer. Let’s see ...read more
Posted in insurance, life insurance, mortality, mortality risk | Tagged approval, average, cholesterol, family history, HDL, health, insurance, life insurance, mortality, mortality risk, motor vehicle violations, obesity, standard rate
