by Ed Hinerman | Feb 26, 2015 | application process, blood pressure, compliance, cpap, decline, high blood pressure, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting, Sleep apnea
If 60 Minutes was doing a segment on life insurance applications and how underwriters interpret your medical records they would have to focus on one of the biggest stumbling blocks, doctor’s recommendations for testing. To be fair, there wasn’t any life...
by Ed Hinerman | May 16, 2012 | Dave Ramsey, Depression, insurance, life insurance, Sleep apnea
I am about to go off on Selectquote again but let me show you the new kinder, gentler side of my opinionated self. Selectquote handles, from what I’ve heard, about 100,000 applications a year. They’ve been the king of the hill for quite a while so that...
by Ed Hinerman | Jan 7, 2012 | Anxiety, bipolar disorder, Depression, ING Reliastar, insurance, life insurance
I’ve talked in the past about how some companies will come on like they want to be the industry leader in a niche, only to fall of the radar completely a year or two later. The supposition on my part is that they either hired a new chief underwriter who put a...
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 21, 2010 | cpap, insurance, life insurance, Sleep apnea
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...
by Ed Hinerman | Oct 23, 2010 | insurance, life insurance, Sleep apnea
It wasn’t all that long ago that life insurance underwriters would automatically table rate any sleep apnea, obviously having a problem wrapping their minds around the fact that the client would quit breathing several, if not a lot of times every night. The real...
by Ed Hinerman | Oct 13, 2010 | Anxiety, insurance, life insurance
In a post some years ago I was talking about underwriting of mild mood disorders and made a flip comment that it seemed about time that underwriters take another look since most of America and likely most of them were on Prozac or Zoloft or Wellbutrin. Well, I’m...
by Ed Hinerman | Jun 16, 2010 | bipolar disorder, insurance, life insurance, prostate cancer
Table rated term insurance offers continue to tumble to a standard rate with United of Omaha’s health and lifestyle credit method, what they call their Fit test. I continue to be pleasantly amazed at how the company is honoring this commitment to reward good...
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 | Feb 5, 2010 | insurance, life insurance, private pilots, Sleep apnea
There is a tendency for people to just hold on to life insurance once it is in force, even when opportunities to improve on the rate or the term length come up. Most often this happens when their isn’t a servicing agent around to find the better deals and...
by Ed Hinerman | Feb 4, 2010 | insurance, life insurance, Sleep apnea
We’ve leaned on Prudential for quite some time for the best underwriting on sleep apnea. Now ING Reliastar has decided they want a piece of that risk pool also. Generally most companies will underwrite mild to moderate obstructive sleep apnea in the standard to...
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 | Nov 13, 2009 | insurance, life insurance, Sleep apnea
So, you applied for life insurance and have been postponed or declined because you didn’t complete some, for instance a sleep study test your doctor recommended! Want a second opinion? Don’t waste your time. You’ll get the same answer at the next...
by Ed Hinerman | Nov 10, 2009 | insurance, life insurance, Sleep apnea
Of course the reason snoring is a life insurance underwriting issue is because someone may put a pillow over your head and hold it there until the noise stops. Seriously though, if that snoring is driven by sleep apnea, depending on the company you may get a brief...
by Ed Hinerman | Aug 19, 2009 | insurance, life insurance, Sleep apnea
While we’ve been very successful in placing best rate class life insurance for those with mild to moderate sleep apnea, that shouldn’t be confused with a lack of risk with the disorder. The way to those best class rates starts with mild to moderate apnea,...
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