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 September 25, 2012
Life insurance company reconsiderations are thrown about the industry like the success of them is common place and they are for all intents and purposes, a shoe in. The kind of reconsideration I’m talking about is when a smoker becomes a non smoker, someone with high cholesterol gets it under control or someone who has ...read more
Posted in approval, family history, insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, reconsideration | Tagged cancer, diagnosed after age 60, diagnosed prior to age 60, insurance, life insurance, life insurance approval, life insurance reconsideration, non smoker, prostate cancer, smoker
By Ed Hinerman on August 2, 2012
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 removed at preferred. Most companies ...read more
Posted in basal cell carcinoma, breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer, squamous cell carcinoma | Tagged breast cancer, cancer, cancer life insurance, Clark's level 1, colon cancer, gave up trying to get life insurance, higher stages and grades, impaired risk life insurance, in situ, Independent agent, insurance, life insurance, low grade, low stage, melanoma is dangerous, melanoma life insurance, melanoma removed two months before applying, preferred rates, prostate cancer, prudent reaction to improved treatmentt, prudent reactions to early detection, stage 0, Stage 1, willing to shop extensively
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 April 18, 2012
In some cases life insurance underwriting just hangs out and doesn’t change much over the years. That has been fairly true of prostate cancer life insurance since I wrote my first post on the subject back in 2007, until the last few months. What follows is an updated post I wrote in early 2007. The ...read more
Posted in cancer, insurance, life insurance, prostate cancer | Tagged cancer, Gleason grade, grade, inusrance, life insurance, life insurance underwriting, prostate cancer, prostate cancer life insurance, prostate cancer survivor, PSA, stage, watchful waiting |
By Ed Hinerman on March 30, 2012
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval suimmediately upon completion of successful treatment. They also opened the door for approvals of ...read more
Posted in Attention Deficit Disorder, bipolar disorder, cancer, coronary artery disease (CAD), cpap, impaired risk life insurance, insurance, life insurance, melanoma, over 50 life insurance | Tagged approval immediately upon completion of successful treatment, best rate class, bladder cancer, calcium scores, cancer, cancer underwriting has been abusive, cardiac risk factor, colon cancer, EBCT, eneterainer life insurance, Gleason grade 8, highest rated carriers, improved survival rates, in situ, insurance, life insurance, low stage and grade, melanoma, more breakthrough news, moving in the right direction, non smoker, papillary carcinoma thyroid, professional athlete life isurance, standard rates or better, surgical treatment only, testicular seminoma
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 February 1, 2012
When I was young growing up in Wyoming I remember being talked into a cow tipping trip one evening. I don’t know if this goes on everywhere, but in Wyoming adults really like to jack with kids by having them attempt urban, or in our case, country legends. Another was snipe hunting but I’ll save ...read more
Posted in breast cancer, cancer, insurance, life insurance, prostate cancer | Tagged approval immediately upon successful treatment, breast cancer immediate approval, cancer, cancer life insurance underwriting, cow tipping, huge moves cancer underwriting, insurance, life insurance, one year waiting period changed, prostate cancer, prostate cancer immediate approval, prostate cancer watchful waiting, prostatectomy, radiation treatment, snipe hutning, testicular cancer, thyroid cancer, uterine cancer, watchful waiting standard rates
By Ed Hinerman on January 30, 2012
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 philosophy to bring huge breaks to their clients. I wasn’t reckless ...read more
Posted in breast cancer, cancer, insurance, life insurance, prostate cancer | Tagged approval for watchful waiting, breast cancer, cancer, huge breaks, Immediately after radiation treatment, impaired risk life insurance, impaired risk underwriting, insurance, life insurance, no flat extra charge, prostate cancer, standard rates immediately follow successful treatement, testicular cancer, thyroid cancer, uterine cancer |
By Ed Hinerman on January 29, 2012
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 treatment, or the period where the company applies a flat extra ...read more
Posted in breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer | Tagged 100% 5 and 10 year survival rate, approval for prostate cancer watchful waiting, approved a few weeks post treatment, breast cancer, cancer, flat extra premium, insurance life insurance, low stage and grade, major A+ rated life insurance company, melanoma, mortality information, no flat extrra, no logic to waiting, over 50 life insurance, prostate cancer, waiting period post treatment, watchful waiting
