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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 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 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 January 7, 2012
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 squash on the ...read more
Posted in Anxiety, bipolar disorder, Depression, ING Reliastar, insurance, life insurance | Tagged ADD, Anxiety, bipolar disorder, bit by ING, Depression, ING bonus contracts, ING fallen from grace, ING Reliastar, insurance, life insurance, minor mood disorders, mood disorder unfriendly company, mood disorders, never quote second best rate, preferred plus, situational depression, Sleep apnea, standard, Type 2 diabetes, Zander Insurance
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
By Ed Hinerman on October 4, 2011
When I think of what I would want from the American Diabetes Association as a person with diabetes, I’m left wondering if they are anywhere near the advocacy group they claim they are. I go to their website and the first and most prevalent topic I find is how to donate money or how to ...read more
Posted in American Diabetes Association, diabetes, insurance, life insurance | Tagged ADA, affordable, American Diabetes Association, approved for life insurance, diabetes, diabetes life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
By Ed Hinerman on June 22, 2011
I’ve written frequently about the stigma that goes with being obese and choosing to have gastric bypass or bariatric surgery. I have to admit there was a time in my distant path when I looked at it as the easy way out. It was what people did if they didn’t want to work at losing ...read more
Posted in gastric bypass, insurance, life insurance, obesity | Tagged bariatric surgery, gastric bypass, insurance, life insurance, life insurance underwriting, obesity, reasonable rates, Type 2 diabetes
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
By Ed Hinerman on January 11, 2011
No, really! Not return of premium term insurance. Not some magic vanishing premium whole life thing. This isn’t even the latest life settlement, premium financed mega mess. I think this is particularly clever and nice too. A company that is reaching out and saying that if you’re a low income family with school age children ...read more
Posted in children's life insurance, diabetes, insurance, life insurance | Tagged ADA, burial policies, children's life insurance, civic duty, conversion, convertible, free life insurance, insurance, JDRF, life insurance, Mass Mutual, mortality experience, PR, Type 1 diabetes, Type 2 diabetes
By Ed Hinerman on December 17, 2010
I have tried for years to get the American Diabetes Association to allow me to help them rewrite their “Life Insurance Information” page on their website. I will put this as bluntly as it needs to be. The ADA doesn’t have a clue about what it takes to get type 1 diabetes life insurance or ...read more
Posted in American Diabetes Association, diabetes, insurance, life insurance | Tagged ADA, American Diabetes Association. guidelines, diabetes life insurance, insurance, life insurance, Type 1 diabetes, type 1 diabetes life insurance, Type 2 diabetes, type 2 diabetes life insurance
