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By Ed Hinerman on May 23, 2012
This is one of those days that makes me think about the “Men are from Mars and Women are from Venus” line of thinking. Little did they know when that was written that they would give the planet with water to men!! It could easily be changed to “Physicians are from Mars and Life Insurance ...read more
Posted in abnormal ekg, insurance, life insurance, prostate cancer, PSA | Tagged abnormal ekg, anxiety related palpitations, cardiac workup, doctor, doctor told her everything looked fine, insurance, life insurance, life insurance underwriter, mortality, prostate cancer, PSA, small abnormality, stress test, what was abnormal |
By Ed Hinerman on July 26, 2011
I am left shaking my head occasionally when I hear a client say that my quote is much higher than some other quote they have received. Since I shop virtually every case I quote I am confident when I send out quotes, well, they are as good as it is going to be after underwriting. ...read more
Posted in bait and switch, cancer, heart disease, Independent agent, insurance, life insurance | Tagged bait and switch, cardiac workup, impaired risk agent, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance quotes, pathology report, required medical questions
By Ed Hinerman on February 15, 2010
No, I’m not getting into pet insurance, but I would like to talk about the lack of curiosity people have about their own health. From the simplest of things Americans start out with failing grades, possibly because it’s not taught in schools or possibly because we choose to follow our parent’s examples. How about this ...read more
Posted in bypass surgery, insurance, life insurance | Tagged 3 vessel bypass surgery, annual checkup, cardiac workup, cholesterol, diabetes, full physical, heart attack, insurance, lab work, life insurance, President Clinton, stress test, term insurance, triglycerides
By Ed Hinerman on October 14, 2009
There used to be a lot of companies that had published crediting systems that they would use to determine the final underwriting outcome of a life insurance application. Credits could be earned by anything from exceptional, as opposed to just satisfactory, lab results, or for rewarding those who proactively get annual physicals. Life style and ...read more
Posted in family history, insurance, life insurance | Tagged bipolar, bipolar disorder, cardiac workup, CEO, cholesterol, crediting systems, family history, Fit test, insurance, life insurance, no smoker, preventive medical care, United of Omaha
By Ed Hinerman on October 5, 2009
We’ve talked on a number of occasions about the dreaded abnormal ekg and how doctors and underwriters can have completely different takes on the abnormality, and actually both of them be right, I came across one of the best and most humorous explanations of the most common blips on ekgs. Viewed through this lens you ...read more
Posted in arrythmia, insurance, life insurance | Tagged abnormal ekg, approval, arrythmia, cardiac workup, insurance, left bundle branch block, life insurance
By Ed Hinerman on September 10, 2009
I called a client of mine the other day because not too long after I had done an annual review of his term life insurance coverage I received a notice that he had applied with another company and was considering replacing the policy he had through me. Now I really don’t like losing clients and ...read more
Posted in bait and switch, insurance, life insurance | Tagged angioplasty, approval, bait and switch, cardiac workup, early onset CAD, ejection fraction, Empire General, Genworth, heart attack, high blood pressure, insurance, life insurance, preferred best rates, term life insurance
