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 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 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
By Ed Hinerman on February 14, 2012
The dreaded elevated PSA! Life insurance underwriters treat a PSA out of the normal 0-4.0 range or a PSA that is higher than your last PSA with the life insurance equivalent of shutting all the hatches on a sinking ship. Even though there are no less than half a dozen reasons other than prostate cancer ...read more
Posted in cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA | Tagged approval, decline, insurance, life insurance, men over 70, needle biopsy of prostate, over age 50, over age 60, prostate cancer, PSA, radiation therapy, radical prostatectomy, right agent, right company, right underwriter, risk factors, temporary PSA spikes, watchful waiting |
By Ed Hinerman on February 4, 2012
One of the brightest gems in the new cancer life insurance underwriting that was unveiled this week is the possibility to get all the way back to preferred rates with the right cancer, the right outcome and, of course, the right agent and the right company. For as long as I can remember the best ...read more
Posted in breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA | Tagged breast self examination, cancer life insurance, cancer life insurance underwriting, digital prostate exam, early detection, fear of recurrence, fear of relapse, genetic testing, insurance, life insurance, life insurance acknowledged medical advances, mortality, over 50, post cancer treatment life insurance, preferred life insurance rates, proactive screening, prostate cancer watchful waiting, PSA screening, specific and focused treatment, warning signs
By Ed Hinerman on December 27, 2011
Prostate cancer, we’ve all heard at one time or another, is something that virtually every man will have at some point in his life. While only one in five or so of us guys will ever be diagnosed with prostate cancer, the other four, according to theory and reports, will have the cancer but it ...read more
Posted in insurance, life insurance, prostate cancer, PSA | Tagged approved at reasonable rates, cancer, carefully monitored, die from prostate cancer, early stage, every man at some point, exclude prostate cancer, Gleason 5-7, insurance, life insurance, Lloyds of London, low to moderate grade, men over 60, prostate cancer, prostate cancer life insurance, prostate cancer non event, prostate cancer over age 70, PSA, survival rate 100%, watchful waiting, watchful waiting is a decline, watchful waiting legitimate diagnosis
By Ed Hinerman on January 13, 2010
We’ve covered a lot in the past on the life insurance underwriting of prostate cancer. Prostate cancer is one of those good news/bad news events in the cancer world. Prostate cancer is the second most prevalent cancer among men, surpassed only by skin cancer. It also has the distinction of being a very survivable cancer ...read more
Posted in insurance, life insurance, prostate cancer, PSA | Tagged cancer, Gleason score, grade, insurance, life insurance, prostate cancer, PSA, radical prostatectomy, radioactive seed implant, skin cancer, stage
