by Ed Hinerman | Mar 24, 2010 | A1c, diabetes, insurance, life insurance
Since virtually everyone we work with on life insurance has some kind of health impairment, and since it’s my job to determine how that impairment is going to impact our ability to get affordable life insurance, I depend a lot on people knowing the facts about...
by Ed Hinerman | Feb 22, 2010 | diabetes, insurance, life insurance
Just when you think you can count on the life insurance underwriting guidelines, Glaxo SmithKline’s Avandia, becomes a curve ball that no one is sure how to handle. Two US Senators released a confidential study that insinuates a strong link between Avandia and...
by Ed Hinerman | Jan 22, 2010 | diabetes, insurance, life insurance, Type 2 diabetes
I was considering just re-posting some old information about life insurance underwriting of diabetes, but let’s just hash our way through it. There is new information and new opportunities that wouldn’t have been there even a year ago. Let’s save...
by Ed Hinerman | Jan 4, 2010 | A1c, bipolar disorder, insurance, life insurance
There are plenty of people who would argue that 2009 could have been flushed down the toilet and not missed, and my prayers go out to all of those whose lives were derailed by the recession. For those I wish a dramatically better new year. But, when it comes to life...
by Ed Hinerman | Nov 20, 2009 | insurance, life insurance, mortality
When A doctor says you’re doing just fine or you don’t need to worry about this or that, they really mean it. I suspect that in the short term scheme of things they may even be right most of the time. But let’s not mix up a short term prognosis with...
by Ed Hinerman | Sep 14, 2009 | diabetes, insurance, life insurance
I am currently working with a client who, when we got his labs back, was staring at an A1c of 10.9 and a microalbumin of 6.0. This, by the way is an instant decline since he was obviously has undiagnosed type 2 diabetes. So what exactly does an A1c mean? Just how out...
by Ed Hinerman | Aug 13, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
I written several times about a major term life insurance company that took the unprecedented step of saying they would allow, in the absence of other risk factors, their preferred plus rate class for some people over 60 with type 2 diabetes. Their only other...
by Ed Hinerman | Jul 22, 2009 | diabetes, insurance, life insurance, Type 2 diabetes
On occasion a life insurance company will pick a place to make a stand and leave the rest of the industry behind. Companies like Prudential come to mind when they approve tobacco use, other than cigarettes, at non smoking rates even with daily use. So, while many...
by Ed Hinerman | Jul 16, 2009 | diabetes, insurance, life insurance, Type 1 diabetes
I wrote a few posts ago about the challenges of finding fair rates on life insurance for type 1 diabetes and mentioned that I was currently shopping a case that I would share the results on. Because of it’s early onset and inherently higher mortality risk with...
by Ed Hinerman | Jun 10, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
Wanted. 60+ year old type 2 diabetic. Diagnosed in last 5 years. Good control with A1c 7.0 or better. No complications. You have won the prize. I’ve been working with the diabetes community for a long time and never thought I would be able to announce that a...
by Ed Hinerman | Jun 8, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
Usually the first shot in the arsenal of ways to deal with type 2 diabetes is diet and exercise. The great thing if it works is that the diabetes can be controlled or beaten, a life style changed, and absolutely no negative side effects. The American Heart Association...
by Ed Hinerman | Jun 5, 2009 | A1c, diabetes, insurance, life insurance
For years there has been plenty of debate in the medical community over the best measure for diagnosis of diabetes, or more specifically, which test gives the most accurate assessment for that diagnosis. For years life insurance companies have used the A1c as a...
by Ed Hinerman | May 5, 2009 | A1c, angioplasty, Banner Life, bypass surgery, cancer, diabetes, heart disease, insurance, life settlements, Sleep apnea
A month or so ago I talked about a client of mine who, over the course of 4 years, has been working with me to get his rate down from the very first approval we were able to get through Empire General at a table 8, to a just approved standard plus rate with Banner...
by Ed Hinerman | May 4, 2009 | A1c, American Diabetes Association, diabetes, Independent agent, insurance, life insurance, Type 2 diabetes
It’s been several months since there was any major movement on the life insurance underwriting scene for those with type 2 diabetes, but a major company today shattered that trend by announcing that are willing to approve at preferred plus rates within certain...
by Ed Hinerman | Apr 28, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
I certainly am not going to minimize anything about the swine flu outbreak and if it meets the WHO definition of a “Pandemic” it’s OK with me if they call it that. So I’ve often referred to the type 2 diabetes epidemic and wonder if it would...
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