Browse: Home / clinical underwriting
By Ed Hinerman on October 30, 2012
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 solidification of a change as it happens, but let’s ...read more
Posted in breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life | Tagged AG38 reserves, best permanent product on the market, bipolar disorder, breast cancer, clinical underwriting, compliance and control, declines in the past, insurance, life insurance, life insurance underwriting, melanoma, no lapse guarantee UL, prostate cancer, rate increase, reasonal approvals, replace failing traditional UL, second to die life insurance, significant opportunity exists. small or large permanent policies, small window to apply, Type 1 diabetes, universal life
By Ed Hinerman on June 18, 2012
Some years ago I had a client who really hit on a hot button for professionals like her as a physician and others who wore hats from CEO’s to attorneys, dentists and even psychiatrists. In the original case it had to do with a physician who had taken an anti anxiety drug for a fairly ...read more
Posted in Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance | Tagged a good risk, ADD, affected marriage, affected work and social life, always a successful side of the story, anti anxiety medication, Anxiety, bipolar, bipolar disorder, clinical underwriting, Depression, getting best rates, getting best rates isn't rocket science, insurance, life insurance, married 30 years, minor mood disorders, not blown out of proportion, own medical practice, professionals like attorneys, professionals like CEO's, professionals like dentists, professionals like physicians, situational depression, stay at home mother of four, suicidal thoughts, treated fairly
By Ed Hinerman on October 1, 2011
Allow me one more time to bemoan the good old days when US Financial Life Insurance was still roaming the earth. They doled out good news in life insurance underwriting in their short life span than any other company around. It was called clinical underwriting. Just as a review, most underwriting is done with what ...read more
Posted in blood pressure, bypass surgery, cancer, insurance, life insurance | Tagged affordable, approved, clinical underwriting, decline, heart bypass surgery, insurance, life insurance, lifestyle changes, mortality risk, one vessel bypass, over 60 life insurance, over 70 life insurance
By Ed Hinerman on June 28, 2011
As any physician, attorney, dentist or CEO will confess, the journey from student to professional is not one for the faint of heart. For many it can be the most stressful part of their life as physicians reach residency and attorneys study for and take bar exams. Much is expected and there is no slack ...read more
Posted in Anxiety, Depression, insurance, life insurance | Tagged Anxiety, attorneys, bar exam, bipolar disorder, clinical underwriting, Depression, insurance, life insurance, mood disorders, physicians, residency, right product, right rate, stress, treated unfairly |
By Ed Hinerman on May 11, 2011
When you consider the opposite of stable is unstable it makes it easier to understand why life insurance underwriting uses stability as a benchmark for approval and rates for all mood disorder underwriting. Whether it is depression, anxiety or bipolar disorder life insurance, the last thing life insurance companies want to sign off on is ...read more
Posted in Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance | Tagged Anxiety, approval, bipolar disorder, bipolar disorder life insurance, clinical underwriting, decline, Depression, high risk, insurance, life insurance, mood disorder, preferred rates, stability
By Ed Hinerman on March 19, 2010
Long gone are the days of US Financial Life Insurance and their clinical underwriting that gave so many clients competitive rates, rates they really deserved, within 6 months of an angioplasty or bypass surgery. While those are tough shoes to fill, other companies have managed to fill the void and, within certain parameters are able ...read more
Posted in heart attack, insurance, life insurance | Tagged age of onset, angioplasty, bypass surgery, CAD, clinical underwriting, coronary artery disease, heart attack, insurance, life insurance, LVEF, MI, myocardial infarction
