Browse: Home / gastric bypass
By Ed Hinerman on December 12, 2011
When I came up with a title for this post it made me chuckle. It seemed so familiar….but we’re not talking about my granddaughter. This is about life insurance and specifically the negative impact you can have on your application by not following through on doctors orders. In all fairness, the issue of non compliance ...read more
Posted in Anxiety, gastric bypass, insurance, life insurance | Tagged appointments with specialists, approved better than applied for, blood work, gastric bypass information, insurance, issues of non compliance, job related anxiety, life insurance, life insurance underwriters, medical record management, mountain of medical records, negative impact on application, non compliance with doctors orders, tests, x rays |
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 March 20, 2011
Let’s face it. Obesity has long had a stigma all its’ own. After all, as the stigma goes, no one held them down and fed them until they were morbidly obese! Lack of self control!! Why don’t they just go on a diet and get off their rears and get some exercise?? And then when ...read more
Posted in gastric bypass, insurance, life insurance, obesity | Tagged approval, bariatric surgery, gastric bypass life insurance, gastric bypass surgery, insurance, life insurance, life insurance underwriting, obesity, weight stability |
By Ed Hinerman on December 22, 2010
Obesity! Obesity! OBESITY! That’s kind of the way our country has been going over the past 20-30 years. I remember growing up in Wyoming and, as rude as I may have been, really staring at morbidly obese people. They were just that rare. I get asked fairly often why life insurance companies rate people because ...read more
Posted in gastric bypass, life insurance, obesity | Tagged bariatric surgery, build charts, gastric bypass, insurance, life isurance, morbid obesity, obesity, weight loss |
By Ed Hinerman on March 16, 2010
America has spent trillions of dollars monitoring, spying on and fighting enemies abroad since its’ inception. Now it would appear that we are being overtaken from the inside, not by armed terrorists, but by fat. Obesity is out to kick our behinds. Now I’ve got good news when it comes to availability of affordable life ...read more
Posted in gastric bypass, insurance, life insurance, obesity | Tagged cancer, diabetes, diet, exercise, fat, health care crisis, heart disease, insurance, life insurance, obesity, overweight, term insurance |
By Ed Hinerman on December 14, 2009
The standard guideline for life insurance underwriting of gastric bypass surgery has generally been two years out from surgery and one year of weight stability. In other words most companies don’t really want to participate in your mortality post surgery, especially during the dramatic weight loss period. This is the period that most complications occur. ...read more
Posted in gastric bypass, insurance, life insurance | Tagged gastric bypass, insurance, life insurance, mortality, obesity, preferred plus, weight loss, weight stability |
By Ed Hinerman on November 30, 2009
I’m often asked whether being declined for insurance, or highly rated, will influence how another company looks at a new application. The answer is truly an emphatic NO! Each company has their own underwriting criteria and their own philosophy and their medical director has their own opinion on health issues and what it all turns ...read more
Posted in gastric bypass, insurance, life insurance | Tagged cardiac issues, declines, diabetes, gastric bypass, insurance, life insurance, melanoma, obesity, postpone, pulmonary function, smoking, underwriting criteria |
By Ed Hinerman on September 28, 2009
We just wrapped up a life insurance application with a successful approval at a standard rate class, the best we could have hoped for even in the absence of the bypass history. We have been dog determined to point out through this forum that the social stigma and risks that have often been attached to ...read more
Posted in gastric bypass, insurance, life insurance | Tagged diabetes, gastric bypass, high blood pressure, insurance, lap band, life insurance, obesity, standard rate, Type 2 diabetes |
By Ed Hinerman on May 29, 2009
I’ve written before about the dramatic and often amazing results that extremely overweight people have see in regards to their diabetes when they undergo gastric bypass surgery. Gastric bypass is a procedure that essentially creates a dramatically smaller stomach by stapling off the majority of the stomach and leaving just a “pouch” for the food ...read more
Posted in diabetes, gastric bypass, insurance, life insurance, obesity | Tagged diabetes, gastric bypass surgery, insurance, life insurance, obesity, tuDiabetes, Type 2 diabetes |
By Ed Hinerman on May 11, 2009
There was a time when I had a whole different view of obesity and gastric bypass. I think the majority of folks still look at the whole thing through somewhat jaded and certainly uneducated eyes. I will just be right up front and ask to be forgiven for the way I felt about the issue. ...read more
Posted in bypass surgery, diabetes, gastric bypass, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes | Tagged bypass surgery, diabetes, gastric bypass, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes |
