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By Ed Hinerman on January 29, 2013
Turning a declined life insurance application into an approval is usually not that hard. It’s how I make a living. But I have to admit that turning a decline from Allstate into a preferred plus approval through one of my companies is kind of like laying down a bunt and turning it into a home ...read more
Posted in approval, cancer, decline, insurance, life insurance, life insurance approval, prostate cancer, PSA | Tagged Allstate decline, Allstate llife insurance decline, chronically elevated psa life insurance, insurance, life insurance, preferred plus approval, prostate cancer life insurance, prostate specific antigen, PSA, unneeded biopsies
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 September 25, 2012
Life insurance company reconsiderations are thrown about the industry like the success of them is common place and they are for all intents and purposes, a shoe in. The kind of reconsideration I’m talking about is when a smoker becomes a non smoker, someone with high cholesterol gets it under control or someone who has ...read more
Posted in approval, family history, insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, reconsideration | Tagged cancer, diagnosed after age 60, diagnosed prior to age 60, insurance, life insurance, life insurance approval, life insurance reconsideration, non smoker, prostate cancer, smoker
By Ed Hinerman on September 6, 2012
I had mentioned in a post not too long ago about a new test that might negate the need for invasive biopsies when men have a high or elevating PSA. A recent Reuters article kind of hit the nail on the head when it comes to the reliability of the PSA as an indicator of ...read more
Posted in insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, PSA | Tagged biopsy was negative, insurance, invasive procedure, life insurance, life insurance underwriting, needle biopsy, PCA3, PCA3 was negative, prostate cancer, PSA, PSA as indicator of cancer, regular screenings, unnecessary biopsies
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 28, 2012
A real show stopper in the life insurance application process is when a PSA comes back high, or at least elevated compared to previous PSA’s. This has turned into something of a fussing point since, in most cases, life insurance underwriters will postpone an application until the reason for the PSA elevation is diagnosed. In ...read more
Posted in cancer, insurance, life insurance, prostate cancer, PSA | Tagged affordable life insurance, approved for affordable life insurance, approved for life insurance, approved life insurance impairment, definitively rule out prostate cancer, free PSA, insurance, life insurance, life insurance application process, needle biopsy, PHI, prostate cancer, prostate cancer life insurance, prostate cancer life insurance underwriting, prostate health index, prostate specific antigen, PSA, watchful waiting, watchful waiting accepted treatment |
By Ed Hinerman on May 30, 2012
Either life insurance underwriters aren’t buying into what researchers and doctors are saying about the PSA, prostate specific antigen test, or in the case of one underwriter she’s just believing what he wants to believe to get through this case and not look like she conceded anything. I have a client whose PSA was found ...read more
Posted in cancer, insurance, insurance quotes, life insurance, prostate cancer, PSA | Tagged biopsy negative, insurance, life insurance, life insurance company, life insurance underwrriting, low grade, low stage, margin of error PSA test, prostate cancer, prostate cancer latent, PSA, PSA elevated, PSA life insurance |
By Ed Hinerman on May 23, 2012
This is one of those days that makes me think about the “Men are from Mars and Women are from Venus” line of thinking. Little did they know when that was written that they would give the planet with water to men!! It could easily be changed to “Physicians are from Mars and Life Insurance ...read more
Posted in abnormal ekg, insurance, life insurance, prostate cancer, PSA | Tagged abnormal ekg, anxiety related palpitations, cardiac workup, doctor, doctor told her everything looked fine, insurance, life insurance, life insurance underwriter, mortality, prostate cancer, PSA, small abnormality, stress test, what was abnormal |
By Ed Hinerman on May 17, 2012
When a life insurance agent presents something to a life insurance customer as a fact, customers generally believe it to be a fact and make their future plans accordingly. The believe life insurance agents are honest and knowledgeable and depend on their advice and guidance. I’ve often talked about clients in a position of responsibility ...read more
Posted in heart attack, Independent agent, insurance, life insurance, prostate cancer, PSA | Tagged believe life insurance agents are honest, believe life insurance agents are knowledgeable, brachytherapy, cancer, errors and omissions insurance, Gleason grade 6, independent life insurance agent, insurable at standard plus rates, insurance, isn't a level playing field, life insurance, life insurance customers, lifeinsurance agent, need not apply for 5 years, prostate cancer, PSA, radioactive see implant, shop the case every year, Stage 1 cancer, sue the agent, underwriting changes, willing to send clients to competition
