By Ed Hinerman on December 7, 2012
Prudential has long been our go to company for those whose weight just wouldn’t garner an approval from any other companies. It wasn’t preferred plus rates with heavier builds, but it was an approval and it was the only place to find one in so many instances. Let me preface ripping Pru’s head off by ...read more
Posted in application process, approval, Biggest Loser, BMI, build, decline, Fat March, height and weight, insurance, life insurance, life insurance approval, obesity, over 50 life insurance | Tagged approval threshold BMI 50, approval threshold dropped, Biggest Loser, BMI, collateral health issues, insurance, life insurance, morbid obesity, mortality, mortality experience linked to morbid obesity, new charts impact underwriting, no notice to agents, obesity, obesity life insurance, offsetting credits, over 50 life insurance, ovr 50 ife insurance, perceived mortality risk, Prudential new guidelines
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 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 May 21, 2012
I know there’s a point where a lot of people won’t even bother looking into life insurance anymore. They figure they’ve messed the picture up bad enough that there really isn’t any need to waste time donating blood and waiting 3 or 4 weeks to have someone tell you that they would prefer not to ...read more
Posted in blood pressure, cancer, diabetes, insurance, life insurance, obesity | Tagged 6' 405 pounds, diabetes, diet and exercise, gastric bypass surgery, high blood pressure, insurance, life insurance, life insurance before health issues start, morbid ly obese, obesity, Prudential, smoke cigarettes, Type 2 diabetes
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 December 1, 2011
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. We’ve had help recently on the lower end ...read more
Posted in Biggest Loser, diabetes, heart disease, insurance, life insurance, obesity | Tagged American General, Biggest Loser, BMI, Genworth, great rates, insurance, life insurance, morbidly obese, obese, overweight, preferred plus, reworked standard build chart, weight |
By Ed Hinerman on June 22, 2011
I’ve written frequently about the stigma that goes with being obese and choosing to have gastric bypass or bariatric surgery. I have to admit there was a time in my distant path when I looked at it as the easy way out. It was what people did if they didn’t want to work at losing ...read more
Posted in gastric bypass, insurance, life insurance, obesity | Tagged bariatric surgery, gastric bypass, insurance, life insurance, life insurance underwriting, obesity, reasonable rates, Type 2 diabetes
By Ed Hinerman on March 20, 2011
Let’s face it. Obesity has long had a stigma all its’ own. After all, as the stigma goes, no one held them down and fed them until they were morbidly obese! Lack of self control!! Why don’t they just go on a diet and get off their rears and get some exercise?? And then when ...read more
Posted in gastric bypass, insurance, life insurance, obesity | Tagged approval, bariatric surgery, gastric bypass life insurance, gastric bypass surgery, insurance, life insurance, life insurance underwriting, obesity, weight stability
By Ed Hinerman on February 18, 2011
For those who are dealing with overweight issues that’s a question you may be wrestling with. Every life insurance company out there has their version of a build chart and when you look at one you definitely understand that they consider obesity to be a mortality risk. But is being overweight, or even morbidly obese, ...read more
Posted in insurance, life insurance, obesity, Prudential | Tagged approval, Build, decline, insurance, life insurance, life insurance decline, obesity, obesity life insurance, weight
By Ed Hinerman on December 28, 2010
Now that the results are in and we’ve quietly sneaked on and quickly back off of the scales, let’s talk about what that number means in the world of life insurance. Whether it’s just extra pounds or obesity life insurance is available and at reasonable rates…..up to a point. We’ve talked a lot about the ...read more
Posted in insurance, life insurance, obesity, Prudential | Tagged approval, BMI, Build, diabetes, diet and exercise, gastric bypass, high blood pressure, insurance, life insurance, obesity, obesity life insurance, Prudential, term insurance, term/ul
