by Ed Hinerman | Mar 6, 2020 | coronary artery disease (CAD), heart attack, heart disease, life insurance
Can I Get Life Insurance With A Heart Condition Or Heart Disease If you haven’t personally experienced the trauma of a heart attack or being told that you have a life changing heart condition, like me, I’m sure you know someone who’s had one of those...
by Ed Hinerman | Aug 13, 2011 | coronary artery disease (CAD), heart disease, insurance, life insurance
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...
by Ed Hinerman | Jan 5, 2011 | decline, insurance, life insurance
I’ve always said that a life insurance decline is really not a bad place to start. Obviously it’s more fun to get approved at the best rate the first time around, but most of my clients come to me because they have health issues. They call or email because...
by Ed Hinerman | Dec 29, 2010 | bipolar, bipolar disorder, bypass surgery, heart disease, insurance, life insurance
The term high risk gets thrown around in the life insurance world probably way more than it should. The truth is that with the exception of truly high risk companies like Lloyds of London, life insurance companies would “prefer not to participate” in a...
by Ed Hinerman | Sep 13, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I’ve often talked about mortality risk being the basis for life insurance underwriting, but looking back I’ve never really explained what that means in the context of a “normal” lifespan. We all hear that Americans are living longer than ever,...
by Ed Hinerman | Aug 23, 2010 | insurance, life insurance, obesity
Obesity has always been a life insurance underwriting challenge. Companies are keenly aware that while weight may not kill you, it dramatically increases your risk of everything from heart disease to cancer. The explosion in type 2 diabetes worldwide can be directly...
by Ed Hinerman | Aug 19, 2010 | decline, insurance, life insurance, mortality
I won’t pretend that being declined for insurance doesn’t carry a sting. A common thought that comes with the decline is, “Do they think I’m about to die, or what”? Some perspective might help and maybe a little insight into how life...
by Ed Hinerman | May 11, 2010 | insurance, life insurance, obesity
An often discussed life insurance risk factor in this forum is obesity. There is not shortage of evidence that carrying too much load is hard on your body, taking blame for everything from diabetes to cancer. This is plenty of reason for underwriters to take build...
by Ed Hinerman | May 6, 2010 | cholesterol, insurance, life insurance
I have a client who is an internal medicine doctor. It is his opinion that the importance of cholesterol levels and their relevance to potential coronary artery disease are overstated. This is problematic for him (and his patients) when it comes to acquiring life...
by Ed Hinerman | Apr 21, 2010 | family history, insurance, life insurance
Most of the time we don’t mind being historically linked to our parents, that is until that link pops up in the life insurance underwriting category of family history. With just a few exceptions the family history question on most life insurance applications...
by Ed Hinerman | Mar 16, 2010 | gastric bypass, insurance, life insurance, obesity
America has spent trillions of dollars monitoring, spying on and fighting enemies abroad since its’ inception. Now it would appear that we are being overtaken from the inside, not by armed terrorists, but by fat. Obesity is out to kick our behinds. Now...
by Ed Hinerman | Feb 19, 2010 | heart attack, insurance, life insurance
I know for me that I consider daylight savings time to be a personal attack on my well being, and now there are studies to back it up. There has always been an acknowledged link between sleep deprivation and heart attacks, so it really wasn’t rocket science when...
by Ed Hinerman | Jan 20, 2010 | family history, insurance, life insurance
I just spoke with a prospective client who applied for a term life insurance policy through a friend of a friend….He had been to my site before but had decided to give this agent a try. His only issue is that a parent died from cancer at age 59. With the...
by Ed Hinerman | Dec 30, 2009 | insurance, life insurance, obesity, Sleep apnea
I was working with a client on quotes the other day and he was telling me about a friend who had decided not to even pursue life insurance because he was convinced that he was probably not insurable. You know it’s kind of like that old saying, “The only...
by Ed Hinerman | Dec 28, 2009 | beneficiary, insurance, life insurance
I got a call from the daughter of a man who had asked me to send him an application for life insurance back in 2003 today. She wanted to know if I could help her track down the policy as he had recently passed away and the application they had found in his paperwork...
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