by Ed Hinerman | Apr 24, 2021 | breast cancer, insurance, life insurance
I wrote this post about 10 years ago. That was just a few years after my mother went through diagnosis and treatment for breast cancer and it gave me a whole new awareness of the aspects like stage and grade and treatment options. I hope updating the information (and...
by Ed Hinerman | Oct 30, 2012 | breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life
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...
by Ed Hinerman | Aug 2, 2012 | basal cell carcinoma, breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer, squamous cell carcinoma
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...
by Ed Hinerman | Jul 28, 2012 | breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer
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...
by Ed Hinerman | Apr 17, 2012 | breast cancer, cancer, insurance, life insurance, prostate cancer
There have been some dramatic breakthroughs in life insurance underwriting over the past few months, a lot of it having to do with cancer life insurance underwriting. Just as these breakthroughs started there are now more rumors of companies following suit, or...
by Ed Hinerman | Jan 30, 2012 | breast cancer, cancer, insurance, life insurance, prostate cancer
I recklessly went out on a limb yesterday spreading a rumor that a major, well know A+ rated life insurance company was jumping on all of the cancer detection and treatment victories of the last several years and have changed their underwriting guidelines and...
by Ed Hinerman | Jan 29, 2012 | breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer
I hate jumping into a life insurance topic like this without all the facts but, heck, that’s why they call them rumors. Historically one of the toughest parts of underwriting has been, especially for cancer, the insistence of a one year waiting period post...
by Ed Hinerman | Apr 7, 2011 | breast cancer, cancer, insurance, life insurance
Whenever we talk about breast cancer life insurance the real meat of the discussion revolves around stage and grade. Just like the five year survival rate, life insurance for breast cancer survivors is a far better deal with an early stage and low grade. We know that...
by Ed Hinerman | Jan 10, 2011 | breast cancer, cancer, insurance, life insurance, melanoma
I’ve often mentioned that shopping life insurance cases before sending a formal application is important. It saves time, avoids disappointment and, from a customer service standpoint, makes the whole process of approving impaired risk life insurance far easier...
by Ed Hinerman | Jan 5, 2011 | decline, insurance, life insurance
I’ve always said that a life insurance decline is really not a bad place to start. Obviously it’s more fun to get approved at the best rate the first time around, but most of my clients come to me because they have health issues. They call or email because...
by Ed Hinerman | Oct 1, 2010 | family history, insurance, life insurance
There is almost always an audible let down (sometimes mixed with some expletives) when I ask about family history of heart disease, cancer and diabetes. The typical response goes something like, “How can they hold that against me when my Dad was an overweight,...
by Ed Hinerman | Sep 1, 2010 | cancer, insurance, life insurance
With almost all life insurance underwriting in relation to someone with a history of cancer there will be a waiting period after the completion of treatment before a company will approve a policy. The only exception to that rule that I can think of would be the two...
by Ed Hinerman | Aug 19, 2010 | decline, insurance, life insurance, mortality
I won’t pretend that being declined for insurance doesn’t carry a sting. A common thought that comes with the decline is, “Do they think I’m about to die, or what”? Some perspective might help and maybe a little insight into how life...
by Ed Hinerman | Apr 26, 2010 | insurance, life insurance
This post was inspired by a tragedy some good friends went through recently. They discovered their 19 year old son dead, having killed himself. It wasn’t a suicide. He choked himself to death, the “choking game”, a practice among kids his age. A high...
by Ed Hinerman | Mar 12, 2010 | breast cancer, cancer, insurance, life insurance, prostate cancer
Not a week goes that I am not called by someone with a history of cancer. It can be as common and treatable as prostate cancer or breast cancer, or as unpredictable as multiple myeloma. They would like to have life insurance, just like anyone, but insurance quotes...
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