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By Ed Hinerman on November 26, 2012
Let me start out by saying that traditional life insurance underwriting doesn’t reward treatment of health issues. That is as in DOES NOT reward. There are still life insurance companies out there that will whack a client like a golf ball for taking medication to control high blood pressure. It may only be one rate ...read more
Posted in Anxiety, bipolar disorder, Depression, gastric bypass, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity | Tagged Anxiety, bipolar disorder, blood pressure, common sense to reward, controlled bipolar disorder looks normal, cure type 2 diabetes, Depression, gastric bypass, gastric bypass life insurance, high blood pressure, insurance, insurance doesn't reward treatment, life insurance, minor mood disorders, mortality risk, obesity, obesity health baggage, reward those who take health seriously
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 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 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 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 9, 2011
The 70% savings lure in life insurance advertising is probably been so used that it is a brand by itself. Never mind the companies the promote it, who wouldn’t want to save 70% over what they are currently paying for a comparable life insurance product. So, the good news is that it’s real. Let’s look ...read more
Posted in insurance, life insurance, mortality, mortality risk, term insurance, whole life | Tagged 70% savings, guaranteed level term, high blood pressure, Independent agent, insurance, life insurance, perfect health, right agent, right company, sleep apnea life insurance, whole life
By Ed Hinerman on December 28, 2010
Now that the results are in and we’ve quietly sneaked on and quickly back off of the scales, let’s talk about what that number means in the world of life insurance. Whether it’s just extra pounds or obesity life insurance is available and at reasonable rates…..up to a point. We’ve talked a lot about the ...read more
Posted in insurance, life insurance, obesity, Prudential | Tagged approval, BMI, Build, diabetes, diet and exercise, gastric bypass, high blood pressure, insurance, life insurance, obesity, obesity life insurance, Prudential, term insurance, term/ul
By Ed Hinerman on December 21, 2010
Plenty of people have experienced the nightmare of applying for life insurance after having been diagnosed with sleep apnea. Many companies treat you as if you really are going to quit breathing and not start again. I can argue both sides of this issue, but suffice it to say that there is good news when ...read more
Posted in cpap, insurance, life insurance, Sleep apnea | Tagged ADHD, cpap, Depression, diabetes, heart attacks, high blood pressure, insurance, life insurance, obstructive sleep apnea, Sleep apnea, sleep study, snoring, stroke, WebMD |
By Ed Hinerman on May 25, 2010
I had a screening not too long ago of my carotid artery for any blockage. They also checked the aorta for any sign of aortic aneurysms, and my blood pressure was measured on both arms and both legs to check for any indication of peripheral vascular disease or hypertension. This was a free checkup provided ...read more
Posted in blood pressure, high blood pressure, hypertension, insurance, life insurance | Tagged blood pressure, carotid artery, heart attack, high blood pressure, hypertension, insurance, kidney disease, life insurance, peripheral vascular disease, silent killer, stroke
By Ed Hinerman on March 18, 2010
There’s really nothing quite like it. I mean, there is snoring and then there is the snore of someone with sleep apnea, a primal snore of someone fighting for their life. OK, so that might be a bit too far on the drama side, but the truth is that when you have sleep apnea you ...read more
Posted in insurance, life insurance, Sleep apnea | Tagged apnea, cpap, heart attack, high blood pressure, insurance, life insurance, preferred plus rates, Sleep apnea, stroke, surgically corrected
