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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 July 28, 2012
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 been available in the past. The real thrust is that underwriters are ...read more
Posted in breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer | Tagged approval immediately after successful treatment, better treatment options, breast cancer, colon cancer, eariler detection, in situ colon cancer, insurance, life insurance, life insurance over 60, life insurance underwriting breakthrough, low stage and grade, preferred rates 10 years post treatment, prostate cancer, successful treatment
By Ed Hinerman on May 15, 2012
I’ve talked about life insurance from one end of life to another, from insurance for children to senior life insurance. The one common denominator is that if someone doesn’t take any action to put life insurance in force there is absolutely no way their beneficiaries will benefit from it. I’ve talked about how children’s life ...read more
Posted in children's life insurance, insurance, life insurance, private pilots, senior life insurance | Tagged brush with mortality, children's life insurance, colon cancer, family protection life insurance, guaranteed issue life insurance, insurance, Juvenile life insurance, juvenile life insurance conversion, life insurance, mid air collision, private pilot, saving money by not buying life insurance, senior life insurance
By Ed Hinerman on April 17, 2012
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 tightening the underwriting gap back up. All of them know they aren’t hanging ...read more
Posted in breast cancer, cancer, insurance, life insurance, prostate cancer | Tagged breast cancer, cancer life insurance underwriting, colon cancer, diagnosis at earlier stages, dramatic breakthroughs, greatest life insurance underwriting minds, in situ breast cancer, insurance, life insurance, life insurance underwriting, low grade, low stage, multiple myeloma, prostate cancer, treatment at earlier stages, two major companies
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 October 1, 2010
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, smoking, drunk at the time he died of that heart attack ...read more
Posted in family history, insurance, life insurance | Tagged breast cancer, cancer, cardiovascular disease, colon cancer, coronary artery disease, diabetes, family history, immediate family, insurance, life insurance, ovarian cancer, prostate cancer, suicide, term insurance |
By Ed Hinerman on July 30, 2009
Other than writing across the top of your life insurance application, “Please decline this application”, I can’t think of a surer way to get declined than to decide to blow off your doctor’s advice and substitute your own without ever discussing this with the doctor. This is known in the industry as “non compliance” and ...read more
Posted in insurance, life insurance, multiple sclerosis | Tagged colon cancer, decline, insurance, life insurance, mortality, MS, non compliance
