by Ed Hinerman | Nov 6, 2018 | atrial fibrillation, business life insurance, CEO life insurance, insurance, life insurance, life insurance approval
So, BNP (natriuretic peptide). What the heck is it? In layman’s terms (so I can understand it), BNP is a protein release by the heart that could indicate congestive heart failure. But listen up all of you life insurance underwriters……It could mean a...
by Ed Hinerman | May 13, 2013 | A1c, blood pressure, cancer, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
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...
by Ed Hinerman | May 21, 2012 | blood pressure, cancer, diabetes, insurance, life insurance, obesity
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...
by Ed Hinerman | Feb 28, 2012 | Alcohol Treatment Life Insurance, decline, diabetes, Drug Treatment Life Insurance, insurance, life insurance, prostate cancer
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...
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 | Nov 21, 2011 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
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...
by Ed Hinerman | Oct 4, 2011 | American Diabetes Association, diabetes, insurance, life insurance
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...
by Ed Hinerman | Jun 22, 2011 | gastric bypass, insurance, life insurance, obesity
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...
by Ed Hinerman | Jan 11, 2011 | children's life insurance, diabetes, insurance, life insurance
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...
by Ed Hinerman | Dec 17, 2010 | American Diabetes Association, diabetes, insurance, life insurance
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...
by Ed Hinerman | Nov 27, 2010 | bipolar disorder, diabetes, insurance, life insurance, Type 1 diabetes
I have to admit that I very seldom approach a new year with pessimism, but it’s also pretty rare form me to start talking about my optimism when the new year is still a month away. I believe 2011 is going to be a breakthrough, breakaway, record breaking year for...
by Ed Hinerman | Sep 30, 2010 | diabetes, insurance, life insurance, over 50 life insurance, senior life insurance
Preferred plus life insurance rates and type 2 diabetes are rarely used in the same sentence except possibly in the context of “Your chances of getting preferred plus rates with type 2 diabetes are slim to none”. That was until last year when ING Reliastar...
by Ed Hinerman | Aug 23, 2010 | insurance, life insurance, obesity
Obesity has always been a life insurance underwriting challenge. Companies are keenly aware that while weight may not kill you, it dramatically increases your risk of everything from heart disease to cancer. The explosion in type 2 diabetes worldwide can be directly...
by Ed Hinerman | Aug 19, 2010 | decline, insurance, life insurance, mortality
I won’t pretend that being declined for insurance doesn’t carry a sting. A common thought that comes with the decline is, “Do they think I’m about to die, or what”? Some perspective might help and maybe a little insight into how life...
by Ed Hinerman | Aug 6, 2010 | diabetes, high blood pressure, insurance, life insurance
Non compliance, not following doctor’s orders, is a choice we all come face to face with whenever we leave the doctor’s office. Whether it is a recommended followup or additional testing, prescribed medication that needs to be taken as prescribed to be...
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