By Ed Hinerman on December 7, 2012
Prudential has long been our go to company for those whose weight just wouldn’t garner an approval from any other companies. It wasn’t preferred plus rates with heavier builds, but it was an approval and it was the only place to find one in so many instances. Let me preface ripping Pru’s head off by ...read more
Posted in application process, approval, Biggest Loser, BMI, build, decline, Fat March, height and weight, insurance, life insurance, life insurance approval, obesity, over 50 life insurance | Tagged approval threshold BMI 50, approval threshold dropped, Biggest Loser, BMI, collateral health issues, insurance, life insurance, morbid obesity, mortality, mortality experience linked to morbid obesity, new charts impact underwriting, no notice to agents, obesity, obesity life insurance, offsetting credits, over 50 life insurance, ovr 50 ife insurance, perceived mortality risk, Prudential new guidelines
By Ed Hinerman on November 19, 2012
This is one of these subjects that goes in several directions. Your doctor’s opinion can help you get the best possible life insurance rate. It can also bring your life insurance application to a screeching halt and if it ever comes down to who is right, the underwriter or your doctor, the answer can confound ...read more
Posted in compliance, insurance, insurance quotes, life insurance, life insurance approval, mortality, mortality risk | Tagged discussion about mortality, doctor's opinion, doctor's opinion can help, doctors make you feel better, doctors treat you, doesn't make sense, insurance, life insurance, life insurance underwriter, lung cancer, mortality, nothing to worry about, paying twice as much for life insurance, poor compliance, poor control, second opinion, smoking, underwriter thinks I'm dying, write cover letters, you aren't paying attention to doctor
By Ed Hinerman on May 23, 2012
This is one of those days that makes me think about the “Men are from Mars and Women are from Venus” line of thinking. Little did they know when that was written that they would give the planet with water to men!! It could easily be changed to “Physicians are from Mars and Life Insurance ...read more
Posted in abnormal ekg, insurance, life insurance, prostate cancer, PSA | Tagged abnormal ekg, anxiety related palpitations, cardiac workup, doctor, doctor told her everything looked fine, insurance, life insurance, life insurance underwriter, mortality, prostate cancer, PSA, small abnormality, stress test, what was abnormal |
By Ed Hinerman on February 4, 2012
One of the brightest gems in the new cancer life insurance underwriting that was unveiled this week is the possibility to get all the way back to preferred rates with the right cancer, the right outcome and, of course, the right agent and the right company. For as long as I can remember the best ...read more
Posted in breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA | Tagged breast self examination, cancer life insurance, cancer life insurance underwriting, digital prostate exam, early detection, fear of recurrence, fear of relapse, genetic testing, insurance, life insurance, life insurance acknowledged medical advances, mortality, over 50, post cancer treatment life insurance, preferred life insurance rates, proactive screening, prostate cancer watchful waiting, PSA screening, specific and focused treatment, warning signs
By Ed Hinerman on April 11, 2011
The lure, even when we were in better economic times, to make the big bucks tax free overseas has always been huge. Whether it is pulling down big paychecks by working in middle east oil fields or civilian contractors rebuilding infrastructure in areas that are embroiled in war, the realization when you get there that ...read more
Posted in foreign travel, insurance, life insurance | Tagged Afghanistan life insurance, Civilian Contractor life insurance, dangerous places, insurance, Iraq, Libya, life insurance, mortality |
By Ed Hinerman on February 20, 2011
I bought my first life insurance policy when I was 33. I woke up one day with a wife and two stepchildren and realized that they were dependent on the fact that I made a pretty good income. Because we had become a family their standard of living had changed for the better and it ...read more
Posted in insurance, life insurance, over 50 life insurance | Tagged affordable, age 50 life insurance, immortality, insurance, life insurance, mortality, over 50 life insurance, reasonably priced
By Ed Hinerman on January 22, 2011
Young, healthy, immortal. Sure, you’ve talked about life insurance and you know it really doesn’t cost much at all, but you’re a guy. Men, especially young men, absolutely hate talking about real life. And in real life stuff happens. I know when you’re young there is way more good stuff than bad stuff happening, and ...read more
Posted in insurance, life insurance, mortality | Tagged cancer, died prematurely, heart attack, immortal, insurance, invincible, life insurance, mortality, premature death
By Ed Hinerman on January 18, 2011
If you have ever had life insurance declined there is no doubt in my mind that you have an opinion as to whether that was a fair decision or not. If you were declined life insurance there is a very good chance that the decision is not one that is shared by all companies. So, ...read more
Posted in decline, life insurance | Tagged approved, declined life insurance, insurance, life insurance, life insurance declined, morality risk, mortality, standard rate, table rated
By Ed Hinerman on January 3, 2011
In reviewing old posts it became apparent that, as a stand alone issue, I haven’t really addressed breast cancer life insurance underwriting in some time. I was all over the issue a few years ago when my mother was going through treatment, but let it drop off when her treatment was successful. For those that ...read more
Posted in breast cancer, insurance, life insurance | Tagged approval, breast cancer life insurance, cancer life insurance, decline, early detection, grade, insurance, life insurance, mortality, stage, survival rate, treatment
By Ed Hinerman on December 31, 2010
I won’t go so far as to say that you have to have a life insurance agent with a mood disorder, but when it comes to successful underwriting of anxiety or depression life insurance applications need to be handled correctly. An agent’s understanding of the challenges you face with your particular disorder can mean the ...read more
Posted in Anxiety, Depression, insurance, life insurance | Tagged advance underwriting opinion, Anxiety, approval, decline, Depression, depression life insurance, insurance, life insurance, mood disorders, mortality, preferred, preferred plus, situational depression, Zoloft
