By Ed Hinerman on February 22, 2012
I’m all for rounding off. I mean if I owed someone $9 and I had a ten in my wallet and they didn’t have change I would call it good. I know. I know. One of the reasons I’m not filthy rich or any other kind of rich. There is something of a rounding off ...read more
Posted in heart attack, high blood pressure, insurance, insurance quotes, life insurance, obesity | Tagged accurate quotes, actual weight, entire health history, fudging, health history, heart or circulatory system disorder, insurance, last 5 years, life insurance, life insurance quotes, manipulate the quote process. Have you ever questions, obesity, Postural orthostatic tachycardia syndrome, POTS, rounding off, shops relevant information, well controlled |
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 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 February 18, 2011
For those who are dealing with overweight issues that’s a question you may be wrestling with. Every life insurance company out there has their version of a build chart and when you look at one you definitely understand that they consider obesity to be a mortality risk. But is being overweight, or even morbidly obese, ...read more
Posted in insurance, life insurance, obesity, Prudential | Tagged approval, Build, decline, insurance, life insurance, life insurance decline, obesity, obesity life insurance, weight |
By Ed Hinerman on December 28, 2010
Now that the results are in and we’ve quietly sneaked on and quickly back off of the scales, let’s talk about what that number means in the world of life insurance. Whether it’s just extra pounds or obesity life insurance is available and at reasonable rates…..up to a point. We’ve talked a lot about the ...read more
Posted in insurance, life insurance, obesity, Prudential | Tagged approval, BMI, Build, diabetes, diet and exercise, gastric bypass, high blood pressure, insurance, life insurance, obesity, obesity life insurance, Prudential, term insurance, term/ul |
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 August 23, 2010
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 linked to the epidemic of obesity that has swept so many countries, with ...read more
Posted in insurance, life insurance, obesity | Tagged approved, best rate class, BMI, Build, cancer, declined, diabetes, Genworth Life and Annuity, heart disease, insurance, life insurance, mortality, obesity, Prudential, rateded, standard rate, Type 2 diabetes, weight |
By Ed Hinerman on May 11, 2010
An often discussed life insurance risk factor in this forum is obesity. There is not shortage of evidence that carrying too much load is hard on your body, taking blame for everything from diabetes to cancer. This is plenty of reason for underwriters to take build into account when considering a life insurance application. Body ...read more
Posted in insurance, life insurance, obesity | Tagged blood pressure, BMI, body mass index, cancer, diabetes, heart disease, insurance, life insurance, obesity, waist to height ratio, WHR |
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 |
