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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 October 31, 2012
A few years back I fought a bloody battle with an underwriter from ING over what today still stands as the most illogical piece of underwriting I have ever run in to. Not that the two events are in any way related, but I won the battle and then watched company after company change their ...read more
Posted in blood pressure, cholesterol, HDL, high blood pressure, insurance, life insurance | Tagged blood pressure, cholesterol, cholesterol/hdl ratio, customer service, equal mortality risk, HDL, high blood pressure, hypertension, insurance, life insurance, medical knowledge, medically sound clinical underwriting, paying higher rate class, rated preferred or worse treated blood pressure, rated preferred or worse treated cholesterol, treated blood pressure, treated cholesterol, well controlled lipids
By Ed Hinerman on August 13, 2012
Now we’re rolling. Just because I’ve used two posts getting to the actual life insurance application and life insurance exam is not indicative of how long the process takes. Again, as promised, at the end of this series I will give a breakdown of the actual customer hands on time that has been used. When ...read more
Posted in application process, insurance, insurance quotes, life insurance, life insurance approval | Tagged application information, application request form, blood and urine specimens, blood pressure, complete life insurance application, contact information for doctors, fasting exam, height and weight, insurance, life insurance, life insurance application, life insurance application process, life insurance exam, review of medical history, temporary insurance agreement
By Ed Hinerman on January 19, 2012
As I come to grips with the fact that I am going to have to switch from Windows XP to Windows 7 and from Outlook Express to Outlook, I am a bit stressed. To bring you up to speed on the kind of stress I am going through, I wrote this post this morning. Because ...read more
Posted in Anxiety, bipolar disorder, cholesterol, Depression, high blood pressure, insurance, life insurance | Tagged approve at preferred plus rates, attorneys, best rate class, better rate class than industry average, blood pressure, CEO's, cholesterol, coping mechanism, insurance, life insurance, life insurance underwriters, minor mood disorder, mood disorder treatment, mood stablizing, mothers dealing with children, physicians, Prozac, rate class reflect mortality risk, stress, treated for ADD, treated for anxiety, treated for bipolar disorder, treated for depression, well controlled, Wellbutrin, Windows 7, Zoloft |
By Ed Hinerman on October 12, 2011
It’s been a long time since most insurance made any kind of fuss over being treated for cholesterol. As long as it was well controlled you could count on best rate class approvals. Now companies have jumped on the cholesterol ratio band wagon and are allowing preferred plus rates with total cholesterol as high as ...read more
Posted in blood pressure, cholesterol, insurance, life insurance | Tagged Banner, best rate class, blood pressure, cholesterol, cholesterol ratio, Genworth, HDL, high blood pressure, insurance, life insurance, Minnesota Life, over 50 life isurance, over age 50, preferred plus rates, treated cholesterol, treated high blood pressure, United of Omaha
By Ed Hinerman on June 4, 2010
That’s a life insurance question that’s easy to quantify in numbers. At age 57 if I wanted $500,000 of 20 year term insurance and I qualified for the best rate class, preferred plus, I could expect to pay $1840 annually, about $161 a month. If for some reason I was qualified for the second best ...read more
Posted in blood pressure, cholesterol, insurance, life insurance | Tagged airline pilots, Alcohol Treatment Life Insurance, blood pressure, cancer, cholesterol, diabetes, driving record, family history, HDL, insurance, life insurance, North American, preferred plus rates, preferred rates, private pilots, smoker, underwriting guidelines
By Ed Hinerman on May 25, 2010
I had a screening not too long ago of my carotid artery for any blockage. They also checked the aorta for any sign of aortic aneurysms, and my blood pressure was measured on both arms and both legs to check for any indication of peripheral vascular disease or hypertension. This was a free checkup provided ...read more
Posted in blood pressure, high blood pressure, hypertension, insurance, life insurance | Tagged blood pressure, carotid artery, heart attack, high blood pressure, hypertension, insurance, kidney disease, life insurance, peripheral vascular disease, silent killer, stroke
By Ed Hinerman on May 11, 2010
An often discussed life insurance risk factor in this forum is obesity. There is not shortage of evidence that carrying too much load is hard on your body, taking blame for everything from diabetes to cancer. This is plenty of reason for underwriters to take build into account when considering a life insurance application. Body ...read more
Posted in insurance, life insurance, obesity | Tagged blood pressure, BMI, body mass index, cancer, diabetes, heart disease, insurance, life insurance, obesity, waist to height ratio, WHR |
By Ed Hinerman on April 20, 2010
I was just doing a double check on underwriting results today and decided to compare how we’ve done in placing policies with clients who have bipolar disorder versus those who have a history of an eating disorder. Now remember we’re talking about life insurance company perception of mortality risk! Over the past several years we ...read more
Posted in bipolar, bipolar disorder, insurance, life insurance | Tagged bipolar, bipolar disorder, blood pressure, compliance, control, diabetes, eating disorder, insurance, life insurance, mortality, mortality risk
By Ed Hinerman on March 5, 2010
If there is a common thread through the whole life insurance application/underwriting experience, it’s that those applying tend to underplay their mortality while feeling like underwriters really overplay the whole mortality thing. Life insurance pricing and mortality risk evaluation is far from a perfect science. If it was “perfect” and absolutely fair to everyone, there ...read more
Posted in insurance, life insurance, mortality, mortality risk | Tagged blood pressure, cholesterol, family history, height and weight, insurance, life insurance, mortality, mortality risk, non smoker, preferred, preferred plus, rate classes, smoker, whole life insurance
