Browse: Home / heart disease
By Ed Hinerman on January 6, 2012
It would interesting to understand the psychology of an average life insurance agent. I know that there are plenty of truly lazy agents out there who, it appears, have a template that your life insurance application needs to fit into. If it doesn’t fit they either won’t take it on or they will let it ...read more
Posted in A1c, bipolar disorder, cancer, heart disease, insurance, life insurance | Tagged asking all the health questions, average life insurance agent, clients deserve, elevated A1c, get information from doctors, in depth questions, insurance, life insurance, life insurance application, most agents give up, review cardiac workups, study the health issue, successful with bipolar disorder, truly lazy agents, understand cancer pathology, well controlled mood disorder |
By Ed Hinerman on December 15, 2011
Declined anything is a personal hit kind of feeling. I remember once being declined for a credit card. I think I may be the only guy in the country that has ever been declined for a credit card. It kind of hurt my feelings. They offered it and then they declined it. What’s with that? ...read more
Posted in bipolar, bipolar disorder, decline, diabetes, epilepsy, heart disease, insurance, life insurance | Tagged approve, approve and issue policies, bipolar, bipolar disorder, CEO's, declined, declined for life insurance, diabetes, doctor lying to me?, epilepsy, heart disease, homemakers, insurance, life insurance, my imminent death, never a manic episode, never a sucidial thouht, not comfortable with risk, pathetic underwriting, pay out a death benefit, standard or better rates |
By Ed Hinerman on December 1, 2011
There is probably no one more prevalent issue that affects life insurance underwriting more than weight. With 30+% of our country meeting the criteria for being obese, face it, every application we get has a 1 in 3 chance of build and BMI being an underwriting issue. We’ve had help recently on the lower end ...read more
Posted in Biggest Loser, diabetes, heart disease, insurance, life insurance, obesity | Tagged American General, Biggest Loser, BMI, Genworth, great rates, insurance, life insurance, morbidly obese, obese, overweight, preferred plus, reworked standard build chart, weight |
By Ed Hinerman on September 8, 2011
Most people are familiar with the standard rate classes for life insurance. From the very best they usually go something like preferred plus, preferred, standard plus, standard. Different companies may call them something different, or only have three standard classes instead of four, but those four cover most of the companies and most standard underwriting ...read more
Posted in heart disease, Independent agent, insurance, life insurance, term insurance | Tagged approve, best guarantee, best price, decline, health underwriting, impaired risk life insurance, Independent agent, insurance, life insurance, lifestyle credit, standard rate classes, table rates, term insurance |
By Ed Hinerman on August 13, 2011
It’s been years since I’ve run head long into an ultra fast CT scan that just simply defies all logic. Ultra fast CT scans are used to stop the heart mid beat so the chambers and arteries can be looked at in detail. It has been touted as the answer to non invasive coronary artery ...read more
Posted in coronary artery disease (CAD), heart disease, insurance, life insurance | Tagged CAD, calcium score, cardiac risk factor, cholesterol, heart disease, insurance, invalid conclusions, life insurance, non invasive, stress echocardiogram, thallium stress test, ultra fast CT scan |
By Ed Hinerman on July 26, 2011
I am left shaking my head occasionally when I hear a client say that my quote is much higher than some other quote they have received. Since I shop virtually every case I quote I am confident when I send out quotes, well, they are as good as it is going to be after underwriting. ...read more
Posted in bait and switch, cancer, heart disease, Independent agent, insurance, life insurance | Tagged bait and switch, cardiac workup, impaired risk agent, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance quotes, pathology report, required medical questions |
By Ed Hinerman on December 29, 2010
The term high risk gets thrown around in the life insurance world probably way more than it should. The truth is that with the exception of truly high risk companies like Lloyds of London, life insurance companies would “prefer not to participate” in a case where mortality experience ( a closer than near death experience) ...read more
Posted in bipolar, bipolar disorder, bypass surgery, heart disease, insurance, life insurance | Tagged angioplasty, bipolar, bipolar disorder, bypass operation, compliant with prescribed treatment, coronary artery disease, declined life insurance, heart attack, heart disease, high risk life insurance, impaired risk life insurance, insurance, life insurance, preferred rates, standard rates, suicidal thoughts, suicide attempt |
By Ed Hinerman on December 6, 2010
You know how it is when you’re learning to do something new. There’s a hard way to do it and there’s an easy way to do it. Almost without exception the hard way is the one that comes naturally. I’ve been learning for 3 years now how to get people with bipolar disorder approved for ...read more
Posted in bipolar, bipolar disorder, heart disease, insurance, life insurance | Tagged approved, bipolar disorder, CEO. Chief medical director, decline, insurance, life insurance, stable family life, stable work life |
By Ed Hinerman on February 26, 2010
I’m always on the hunt for innovative underwriting. I like to find those nuggets when a company finally has an “aha” moment and decides that, for instance, maybe there’s some slack that can be applied to family history without risking the risk pool. So today I get an email from Nationwide Insurance Company providing a ...read more
Posted in heart disease, insurance, life insurance | Tagged angioplasty, coronary artery disease (CAD), diet and exercise, family history, insurance, life insurance, Nationwide Insurance Company, non smoker, smoker, stent |
By Ed Hinerman on July 18, 2009
It’s amazing how a heart attack or a visit to the ER with chest pain can make you consider mortality. Even when you come away with a quick fix like a stent, life just seems a bit more fragile. So how do life insurance underwriters view cardiac issues? Can you get approved after someone has ...read more
Posted in angioplasty, heart attack, heart disease, insurance, life insurance | Tagged angioplasty, cardiac rehab, chest pain, ejection fraction, heart attack, heart disease, insurance, life insurance, obesity, stent, stress test |
