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life style

Gestational Diabetes Impact On Life Insurance?

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

Hit And Missed Opportunities Of 2009 In Life Insurance Underwriting!

By Ed Hinerman on December 28, 2009

Life insurance underwriting is kind of like sand dunes. You can take a picture at the beginning of a year and it can be absolutely clear where every grain of sand lies. The exact same picture taken at the end of the year could easily have been taken on another planet. One of the greatest ...read more

Posted in cholesterol, HDL, insurance, life insurance | Tagged AARP, bipolar disorder, cholesterol, Depression, federal estate taxes, HDL, independent agents, insurance, life insurance, life style, mood disorders, no lapse guarantee UL, Selectquote, state death taxes, term insurance, United of Omaha

United Of Omaha Coming On Strong!

By Ed Hinerman on December 3, 2009

I wrote my first United of Omaha life insurance application in 1978. Those were the days of Mutual of Omaha’s Wild Kingdom, Marlin Perkins and the advent of yearly renewable term insurance. They were a powerhouse company back then with all captive agents and a brand that most companies could only dream of. Their products ...read more

Posted in bipolar disorder, insurance, life insurance | Tagged bipolar disorder, crediting, diabetes, Fit test, insurance, life insurance, life style, Mutual of Omaha, term insurance, United of Omaha

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