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By Ed Hinerman on May 13, 2013
Not everything that goes on in our medical lives is memorable. If our blood pressure is always in the normal range more than likely we are going to remember our last blood pressure reading. Unless I was deathly ill there is no way that I would remember what my temperature was the last time a ...read more
Posted in A1c, blood pressure, cancer, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes | Tagged A1c, blood pressure in normal range, cancer, diabetes, hbA1c, impaired risk life insurance, insurance, life insurance, Raynaud's ANA Titer, stage and grade pathology report, staph infection, Type 1 diabetes, Type 2 diabetes |
By Ed Hinerman on October 30, 2012
There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an eye opener right now. I’ve tried to note each change or solidification of a change as it happens, but let’s ...read more
Posted in breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life | Tagged AG38 reserves, best permanent product on the market, bipolar disorder, breast cancer, clinical underwriting, compliance and control, declines in the past, insurance, life insurance, life insurance underwriting, melanoma, no lapse guarantee UL, prostate cancer, rate increase, reasonal approvals, replace failing traditional UL, second to die life insurance, significant opportunity exists. small or large permanent policies, small window to apply, Type 1 diabetes, universal life
By Ed Hinerman on July 31, 2012
I’ve been working some particularly tough impaired risk life insurance cases lately and it really drove it home to me that if a person with higher risk life insurance impairment is using an agent who only represents one or two or three companies, they have almost no chance of a good outcome with their life ...read more
Posted in impaired risk life insurance, Independent agent, insurance, life insurance, pilot, private pilots, professional car racing | Tagged agencies favor one company compensation, agent represents one company, alcohol or drug treatment, bipolar disorder, declined, getting approved, getting approved at best rate possible, high risk life insurance, impaired risk life insurance, indepedent agent, insurance, life insurance, mountain climbers, not the quickest life insurance quote, private pilot life insurance, professional car racers, seizure disorders, treated unfairly, Type 1 diabetes
By Ed Hinerman on July 16, 2012
I feel like one of those people who puts tacks in a map every time they visit another state. I am literally sticking pins in the type 1 diabetes life insurance approval map and the number of areas where we are getting approvals is growing every few weeks. As covered in the last post I ...read more
Posted in diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes | Tagged adult onset age 45 currently 57, adult onset under 40, affordable approval, current age under 30, decline, diabetes, diabetes hasn't cause collateral health issues, diabetes well controlled, impaired risk life insurance, impaired risk underwriting, insurance, juvenile onset adult over 30, kidney transplant life insurance, life insurance, life insurance impairments, onset prior to age 5, pancreas transplant, teen onset adult under 40, Type 1 diabetes, type one diabetes, well controlled type 1 diabetes life insurance |
By Ed Hinerman on June 6, 2012
I’ve talked often about the fact that easily 99% of life insurance companies underwrite by the book, the underwriting manual, and for most of them it hasn’t changed since we only had 49 states. If the word bipolar is on the application you are declined. If you’re not bipolar but take, for instance, Lamictal or ...read more
Posted in A1c, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes | Tagged A1c's below 7, Abilify, adult onset type 1 diabetes, affordable rates, bipolar, bipolar disorder, compliance and control, diabetes, insurance, juvenile onset type 1 diabetes, Lamictal, life insurance, life insurance approvals, no collateral health issues, recent approvals, Type 1 diabetes |
By Ed Hinerman on June 5, 2012
It’s what we’re all looking for, right? The path of least resistance. I know whenever I can I would prefer to do as little as possible and, really, honestly, I would kind of like instant gratification. Hey it leaves more time for the fun stuff. Getting affordable life insurance when you’ve had health issues could ...read more
Posted in diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes | Tagged affordable life insurance, approved affordable life insurance, approved life insurance, decline, decline type 1 diabetes, diabetes, how to get it done, impaired risk life insurance, insurance, less money for life insurance, life insurance, life insurance health issues, most companies decline type 1 diabetes, no exam, Type 1 diabetes |
By Ed Hinerman on March 30, 2012
Being primarily an impaired risk life insurance agent I get to talk to a lot of people about diseases and problems they didn’t have even just a few years prior. Especially guys have this bombproof thing going on where they truly believe as long as they work hard and have regular bowel movements there’s no ...read more
Posted in cancer, children's life insurance, impaired risk life insurance, insurance, life insurance, mortality, Type 1 diabetes | Tagged bowel movement life insurance, brush with mortality, buy it for them, cancer, cause financial hardship, child, children's life insurance, diseases, family protection life insurance, grandchild, grandparents, impaired risk life insurance, insurance, life insurance, parents, serius medical condition, Type 1 diabetes, when should you buy life insurance |
By Ed Hinerman on February 28, 2012
I got an email from a life insurance agent today asking me if I could recommend a guaranteed issue life insurance company in Massachusetts. He indicated that he had run into several clients that were uninsurable and wanted to find the best company to write graded benefit guaranteed issue life through. I know I’ve talked ...read more
Posted in Alcohol Treatment Life Insurance, decline, diabetes, Drug Treatment Life Insurance, insurance, life insurance, prostate cancer | Tagged alcohol abuse treatment, angioplasty, basal cell carcinoma syndrome, cardiac bypass surgery, complant treatment, Drug Treatment Life Insurance, easily approved, gastric bypass surgery, guaranteed issue life insurance, insurance, life insurance, life insurance agent, life insurance approval, life insurance decline, melanoma, moles with dysplastic nevi, prescription drug abuse treatment, prostate cancer watchful waiting, prudentt treeatment, Type 1 diabetes, Type 2 diabetes, underwriting guidelines, well controlled |
By Ed Hinerman on December 9, 2011
I’ve been writing long enough that I am bound to be a little redundiferous at times, but I don’t think it can be said too many times. If you use the wrong agent to buy life insurance, who picks the wrong company for your situation, you will not enjoy a good outcome. Part of that ...read more
Posted in A1c, diabetes, foreign nationals, Infinite banking, insurance, life insurance, prostate cancer, Sleep apnea | Tagged Be your own banker concept, financial strength, foreign nationals, great whole life products, impaired risk underwriing, insurance, Juvenile life insurance, Lafayette Life, life insurance, mild situational depression, prostate cancer, tremendous whole life product, Type 1 diabetes, type 2 diabetic
By Ed Hinerman on November 21, 2011
Before you dig too deep into this post let me clarify that I am not talking about juveniles with juvenile onset type 1 diabetes. I still don’t know anyone that will cover them and I am still actively lobbying companies to be the one to step out of the dark ages and be that company. ...read more
Posted in diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes | Tagged A1c, adult onset type 1, adults with juvenile onset type 1, impaired kidney function, impaired risk, insulin pump, insurance, juvenile onset type 1 diabetes, life insurance, no diabetes related health issues, Type 1 diabetes, Type 2 diabetes
