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By Ed Hinerman on May 13, 2013
Not everything that goes on in our medical lives is memorable. If our blood pressure is always in the normal range more than likely we are going to remember our last blood pressure reading. Unless I was deathly ill there is no way that I would remember what my temperature was the last time a ...read more
Posted in A1c, blood pressure, cancer, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes | Tagged A1c, blood pressure in normal range, cancer, diabetes, hbA1c, impaired risk life insurance, insurance, life insurance, Raynaud's ANA Titer, stage and grade pathology report, staph infection, Type 1 diabetes, Type 2 diabetes |
By Ed Hinerman on November 30, 2012
Being in the impaired risk end of the life insurance business, and specializing in helping people who aren’t having any fun with their life insurance experience, almost everyone who calls or emails me has on thing in common. The have unfortunately allowed the wrong agent to take their application to the wrong company and, no ...read more
Posted in approval, bipolar disorder, decline, gastric bypass, insurance, life insurance, life insurance approval, Type 1 diabetes | Tagged 2000 companies, 6 understand 21st century underwriting, 6 understand modern medicine, being approved, civlian contractor Afghanistan life insurance, decline life insurance, focus your search, good knowledge of your impairment, impaired risk life insurance, insurance, key words, key words to attract traffic, life insurance, type 1 diabetes life insurance, use the internet, wrong agent, wrong company, wrong life insurance outcome
By Ed Hinerman on September 20, 2012
There’s always a little hesitance on my part to proclaim an underwriting breakthrough to actually be an underwriting breakthrough for a couple of reasons. First, life insurance underwriting guidelines have been known to change for the better and back again and kind of like buying stock, I don’t want to be attracting customers on the ...read more
Posted in A1c, diabetes, insurance, life insurance, Type 1 diabetes | Tagged adult onset type 1, approval, approval criteria, compliance, control, diabetes life insurance, insurance, juvenile onset type 1, life insurance, pancreas transplant, type 1 diabetes life insurance, underwriting stance on type 1 diabetes
By Ed Hinerman on July 16, 2012
I feel like one of those people who puts tacks in a map every time they visit another state. I am literally sticking pins in the type 1 diabetes life insurance approval map and the number of areas where we are getting approvals is growing every few weeks. As covered in the last post I ...read more
Posted in diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes | Tagged adult onset age 45 currently 57, adult onset under 40, affordable approval, current age under 30, decline, diabetes, diabetes hasn't cause collateral health issues, diabetes well controlled, impaired risk life insurance, impaired risk underwriting, insurance, juvenile onset adult over 30, kidney transplant life insurance, life insurance, life insurance impairments, onset prior to age 5, pancreas transplant, teen onset adult under 40, Type 1 diabetes, type one diabetes, well controlled type 1 diabetes life insurance |
By Ed Hinerman on June 6, 2012
I’ve talked often about the fact that easily 99% of life insurance companies underwrite by the book, the underwriting manual, and for most of them it hasn’t changed since we only had 49 states. If the word bipolar is on the application you are declined. If you’re not bipolar but take, for instance, Lamictal or ...read more
Posted in A1c, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes | Tagged A1c's below 7, Abilify, adult onset type 1 diabetes, affordable rates, bipolar, bipolar disorder, compliance and control, diabetes, insurance, juvenile onset type 1 diabetes, Lamictal, life insurance, life insurance approvals, no collateral health issues, recent approvals, Type 1 diabetes |
By Ed Hinerman on June 5, 2012
It’s what we’re all looking for, right? The path of least resistance. I know whenever I can I would prefer to do as little as possible and, really, honestly, I would kind of like instant gratification. Hey it leaves more time for the fun stuff. Getting affordable life insurance when you’ve had health issues could ...read more
Posted in diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes | Tagged affordable life insurance, approved affordable life insurance, approved life insurance, decline, decline type 1 diabetes, diabetes, how to get it done, impaired risk life insurance, insurance, less money for life insurance, life insurance, life insurance health issues, most companies decline type 1 diabetes, no exam, Type 1 diabetes |
By Ed Hinerman on March 30, 2012
Being primarily an impaired risk life insurance agent I get to talk to a lot of people about diseases and problems they didn’t have even just a few years prior. Especially guys have this bombproof thing going on where they truly believe as long as they work hard and have regular bowel movements there’s no ...read more
Posted in cancer, children's life insurance, impaired risk life insurance, insurance, life insurance, mortality, Type 1 diabetes | Tagged bowel movement life insurance, brush with mortality, buy it for them, cancer, cause financial hardship, child, children's life insurance, diseases, family protection life insurance, grandchild, grandparents, impaired risk life insurance, insurance, life insurance, parents, serius medical condition, Type 1 diabetes, when should you buy life insurance |
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 21, 2011
Before you dig too deep into this post let me clarify that I am not talking about juveniles with juvenile onset type 1 diabetes. I still don’t know anyone that will cover them and I am still actively lobbying companies to be the one to step out of the dark ages and be that company. ...read more
Posted in diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes | Tagged A1c, adult onset type 1, adults with juvenile onset type 1, impaired kidney function, impaired risk, insulin pump, insurance, juvenile onset type 1 diabetes, life insurance, no diabetes related health issues, Type 1 diabetes, Type 2 diabetes
By Ed Hinerman on April 19, 2011
We are by no means where I would like to see diabetes life insurance underwriting, but compared to 15 years ago, 10 years ago, even 5 years ago, life is good. I’ve talked a lot about adult onset type 1 diabetes life insurance approvals. The obvious thing going for a client with adult onset type ...read more
Posted in A1c, diabetes, insurance, life insurance, Type 1 diabetes | Tagged adult onset type 1 diabetes, affordable, diabetes life insurance, insurance, juvenile onset type 1 diabetes, life insurance, type 1 diabetes life inusrance
