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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 April 10, 2012
It’s not like I’m some grumpy old guy that just thinks young men are stupid. There are a lot of refreshingly intelligent and down to earth young men out there who believe in stepping up to the plate, especially when it’s a plate of their own making. The thing that happens most often with young, ...read more
Posted in cholesterol, insurance, insurance quotes, life insurance | Tagged cholesterol, cholesterol ratio, cost of insurance, could afford it, customer really isn't always right, full medical underwriting, insurance, insurance quotes only as good as exam results, life insurance, life insurance application, like the old days, never been to a doctor, never had labs done, over 50 life insurance, responsibility, same price, young guys |
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 January 7, 2012
I recently shared about an insurance applicant who was approved by Transamerica at table 4 due to some admirably huge lipid readings. His Trigs were 862, total cholesterol 348 and HDL/total ratio 9.25. I encouraged him to take those results directly to his doctor. I told him the first thing he would get is a ...read more
Posted in cholesterol, HDL, insurance, life insurance | Tagged averaging two sets of labs, cholesterol, HDL, HDL/total ratio, highly rated policy, huge lipid readings, insurance, life insurance, lipid, massive doses of IV statins, preferred plus cardiac health, total cholesterol, triglycerides
By Ed Hinerman on December 19, 2011
I remember a few years ago when my wife was running scared because her cholesterol on the results from our community health fair were over 200, just barely. Her HDL was 60. She might die from worrying, but her arteries weren’t plugging. Late last week I had a call from a potential life insurance client ...read more
Posted in cholesterol, insurance, life insurance | Tagged artery blocking lipid panel, cheeseburgers intravenously, cholesterol, full physical, HDL, high cholesterol ratio, high total cholesterol, high triglycerides, insurance, labs from health fair, less expensive, life insurance, life insurance client, rated by Transamerica, replace with a lower price policy
By Ed Hinerman on December 6, 2011
Where has our American “get er done” philosophy gone? It seems like I run into cases everyday where a person’s life insurance agent gives up if they application is not approved at the rate they thought their customer would get, or even declined. I was working with a client who had come to me from ...read more
Posted in cholesterol, Independent agent, insurance, insurance quotes, life insurance | Tagged any result is acceptable, approved preferred plus, cholesterol, declined, field underwriting, Independent agent, insurance, life insurance, life insurance agent, life insurance application, life insurance exam, mega agency, multiple applications, not approved, Selectquote, wrong company, wrong results, wroong agent
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 August 13, 2011
It’s been years since I’ve run head long into an ultra fast CT scan that just simply defies all logic. Ultra fast CT scans are used to stop the heart mid beat so the chambers and arteries can be looked at in detail. It has been touted as the answer to non invasive coronary artery ...read more
Posted in coronary artery disease (CAD), heart disease, insurance, life insurance | Tagged CAD, calcium score, cardiac risk factor, cholesterol, heart disease, insurance, invalid conclusions, life insurance, non invasive, stress echocardiogram, thallium stress test, ultra fast CT scan
By Ed Hinerman on August 3, 2011
Just when you have everything comfortably figured out some scientist or doctor or study throws a curve ball at you. Cholesterol was something we all finally got. We knew that if our cholesterol was 200 or under and our LDL, HDL and triglycerides were in the appropriate ranges, well, we were good to eat ice ...read more
Posted in cholesterol, HDL, insurance, life insurance | Tagged bad cholesterol, best rate class, CAD. coronary artery disease, cholesterol, good cholesterol, HDL, insurance, ldl, life insurance, total cholesterol, treated cholesterol, triglycerides
By Ed Hinerman on December 15, 2010
I have to admit that if it wasn’t for life insurance applications being declined, we wouldn’t do a lot of business. I’ve shared before that most of our clients come to us because they had life insurance declined elsewhere, or they are afraid that if they do apply it will be declined. Most life insurance ...read more
Posted in coronary artery disease (CAD), decline, life insurance, prostate cancer | Tagged angioplasty, approval, cholesterol, coronary artery disease, declined, declined life insurance, echocardiogram, insurance, life insurance, prostate cancer
