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 July 16, 2012
I feel like one of those people who puts tacks in a map every time they visit another state. I am literally sticking pins in the type 1 diabetes life insurance approval map and the number of areas where we are getting approvals is growing every few weeks. As covered in the last post I ...read more
Posted in diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes | Tagged adult onset age 45 currently 57, adult onset under 40, affordable approval, current age under 30, decline, diabetes, diabetes hasn't cause collateral health issues, diabetes well controlled, impaired risk life insurance, impaired risk underwriting, insurance, juvenile onset adult over 30, kidney transplant life insurance, life insurance, life insurance impairments, onset prior to age 5, pancreas transplant, teen onset adult under 40, Type 1 diabetes, type one diabetes, well controlled type 1 diabetes life insurance |
By Ed Hinerman on June 6, 2012
I’ve talked often about the fact that easily 99% of life insurance companies underwrite by the book, the underwriting manual, and for most of them it hasn’t changed since we only had 49 states. If the word bipolar is on the application you are declined. If you’re not bipolar but take, for instance, Lamictal or ...read more
Posted in A1c, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes | Tagged A1c's below 7, Abilify, adult onset type 1 diabetes, affordable rates, bipolar, bipolar disorder, compliance and control, diabetes, insurance, juvenile onset type 1 diabetes, Lamictal, life insurance, life insurance approvals, no collateral health issues, recent approvals, Type 1 diabetes |
By Ed Hinerman on June 5, 2012
It’s what we’re all looking for, right? The path of least resistance. I know whenever I can I would prefer to do as little as possible and, really, honestly, I would kind of like instant gratification. Hey it leaves more time for the fun stuff. Getting affordable life insurance when you’ve had health issues could ...read more
Posted in diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes | Tagged affordable life insurance, approved affordable life insurance, approved life insurance, decline, decline type 1 diabetes, diabetes, how to get it done, impaired risk life insurance, insurance, less money for life insurance, life insurance, life insurance health issues, most companies decline type 1 diabetes, no exam, Type 1 diabetes |
By Ed Hinerman on May 21, 2012
I know there’s a point where a lot of people won’t even bother looking into life insurance anymore. They figure they’ve messed the picture up bad enough that there really isn’t any need to waste time donating blood and waiting 3 or 4 weeks to have someone tell you that they would prefer not to ...read more
Posted in blood pressure, cancer, diabetes, insurance, life insurance, obesity | Tagged 6' 405 pounds, diabetes, diet and exercise, gastric bypass surgery, high blood pressure, insurance, life insurance, life insurance before health issues start, morbid ly obese, obesity, Prudential, smoke cigarettes, Type 2 diabetes
By Ed Hinerman on March 13, 2012
Declined life insurance applications. It’s where most of my customers come from. I do have a pretty fair block of business with private pilots and a growing business with Lloyds of London in high risk and high limit insurance policies such as coverage for contract workers in war zones and people that climb mountains. But ...read more
Posted in decline, diabetes, impaired risk life insurance, insurance, insurance quotes, life insurance, no exam, private pilots | Tagged agent doesn't ask questions about impairment, archaic underwriting, bipolar disorder, captive agents, declined life insurance application, diabetes, former car salesmen, heart attack, high limit insurance, high risk insurance, impaired risk life insurance, independent agents, insurance, life insurance, no exam nonsense, no health questions nonsense, pre approved to be declined, quote from an underwriter, relevant to mortality, Selectquote, wrong life insurance agent, wrong life insurance company, Zander |
By Ed Hinerman on December 16, 2011
On the subject of fair life insurance underwriting I can certainly be found on both sides of he fence. Sometimes I think the underwriting consideration is completely fair, something that based on the information is something the client is just going to have to accept. Then there are days like today. I have a client ...read more
Posted in A1c, cholesterol, Depression, diabetes, insurance, life insurance | Tagged A1c of 6.1, diabetes, fair life insurance underwriting, high blood pressure, high lipids, insurance, life insurance, never diabetic, no family history of diabetes, pre diabetic, preferred plus, situational depression, wrestling with weight issues, written appeal to underwriter
By Ed Hinerman on December 15, 2011
Declined anything is a personal hit kind of feeling. I remember once being declined for a credit card. I think I may be the only guy in the country that has ever been declined for a credit card. It kind of hurt my feelings. They offered it and then they declined it. What’s with that? ...read more
Posted in bipolar, bipolar disorder, decline, diabetes, epilepsy, heart disease, insurance, life insurance | Tagged approve, approve and issue policies, bipolar, bipolar disorder, CEO's, declined, declined for life insurance, diabetes, doctor lying to me?, epilepsy, heart disease, homemakers, insurance, life insurance, my imminent death, never a manic episode, never a sucidial thouht, not comfortable with risk, pathetic underwriting, pay out a death benefit, standard or better rates
By Ed Hinerman on October 4, 2011
When I think of what I would want from the American Diabetes Association as a person with diabetes, I’m left wondering if they are anywhere near the advocacy group they claim they are. I go to their website and the first and most prevalent topic I find is how to donate money or how to ...read more
Posted in American Diabetes Association, diabetes, insurance, life insurance | Tagged ADA, affordable, American Diabetes Association, approved for life insurance, diabetes, diabetes life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
By Ed Hinerman on May 17, 2011
I get fairly regular questions about the impact of gestational diabetes on life insurance rates. There is no doubt that, like just about any health issue you want to pick, life insurance companies are all over the map with how they treat it. The reason for gestational diabetes life insurance underwriting concern are studies that, ...read more
Posted in diabetes, insurance, life insurance | Tagged diabetes, family history, gestational diabetes, gestational diabetes life insurance, insurance, life insurance, life style, preferred rates, risk factors, standard rate approval, Type 2 diabetes
