Browse: Home / prostate cancer
By Ed Hinerman on May 17, 2012
When a life insurance agent presents something to a life insurance customer as a fact, customers generally believe it to be a fact and make their future plans accordingly. The believe life insurance agents are honest and knowledgeable and depend on their advice and guidance. I’ve often talked about clients in a position of responsibility ...read more
Posted in heart attack, Independent agent, insurance, life insurance, prostate cancer, PSA | Tagged believe life insurance agents are honest, believe life insurance agents are knowledgeable, brachytherapy, cancer, errors and omissions insurance, Gleason grade 6, independent life insurance agent, insurable at standard plus rates, insurance, isn't a level playing field, life insurance, life insurance customers, lifeinsurance agent, need not apply for 5 years, prostate cancer, PSA, radioactive see implant, shop the case every year, Stage 1 cancer, sue the agent, underwriting changes, willing to send clients to competition |
By Ed Hinerman on April 18, 2012
In some cases life insurance underwriting just hangs out and doesn’t change much over the years. That has been fairly true of prostate cancer life insurance since I wrote my first post on the subject back in 2007, until the last few months. What follows is an updated post I wrote in early 2007. The ...read more
Posted in cancer, insurance, life insurance, prostate cancer | Tagged cancer, Gleason grade, grade, inusrance, life insurance, life insurance underwriting, prostate cancer, prostate cancer life insurance, prostate cancer survivor, PSA, stage, watchful waiting |
By Ed Hinerman on April 17, 2012
There have been some dramatic breakthroughs in life insurance underwriting over the past few months, a lot of it having to do with cancer life insurance underwriting. Just as these breakthroughs started there are now more rumors of companies following suit, or tightening the underwriting gap back up. All of them know they aren’t hanging ...read more
Posted in breast cancer, cancer, insurance, life insurance, prostate cancer | Tagged breast cancer, cancer life insurance underwriting, colon cancer, diagnosis at earlier stages, dramatic breakthroughs, greatest life insurance underwriting minds, in situ breast cancer, insurance, life insurance, life insurance underwriting, low grade, low stage, multiple myeloma, prostate cancer, treatment at earlier stages, two major companies |
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 February 16, 2012
If you make $300,000 or less then this post is probably not for you, unless you can envision a time when your income is higher. Traditional disability income insurance will pay, at most, 65% of your income as a benefit, theoretically what you would net post taxes. This means that the maximum benefit at $300,000 ...read more
Posted in bipolar disorder, business life insurance, buy/sell life insurance, civilian contractors, disability income, insurance, prostate cancer | Tagged $250k a month benefit, attorneys, dentists. executives, disability for entertainers, disability for professional athletes, disability incomce insurance, disability income, disability income cap, high limit disability income insurance, highly paid surgeons, income in excess of $1 million, insurance, physicians, restrictive disability insurance, supplemental disability income insurance, traditional disability income |
By Ed Hinerman on February 14, 2012
The dreaded elevated PSA! Life insurance underwriters treat a PSA out of the normal 0-4.0 range or a PSA that is higher than your last PSA with the life insurance equivalent of shutting all the hatches on a sinking ship. Even though there are no less than half a dozen reasons other than prostate cancer ...read more
Posted in cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA | Tagged approval, decline, insurance, life insurance, men over 70, needle biopsy of prostate, over age 50, over age 60, prostate cancer, PSA, radiation therapy, radical prostatectomy, right agent, right company, right underwriter, risk factors, temporary PSA spikes, watchful waiting |
By Ed Hinerman on February 4, 2012
One of the brightest gems in the new cancer life insurance underwriting that was unveiled this week is the possibility to get all the way back to preferred rates with the right cancer, the right outcome and, of course, the right agent and the right company. For as long as I can remember the best ...read more
Posted in breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA | Tagged breast self examination, cancer life insurance, cancer life insurance underwriting, digital prostate exam, early detection, fear of recurrence, fear of relapse, genetic testing, insurance, life insurance, life insurance acknowledged medical advances, mortality, over 50, post cancer treatment life insurance, preferred life insurance rates, proactive screening, prostate cancer watchful waiting, PSA screening, specific and focused treatment, warning signs |
By Ed Hinerman on February 1, 2012
When I was young growing up in Wyoming I remember being talked into a cow tipping trip one evening. I don’t know if this goes on everywhere, but in Wyoming adults really like to jack with kids by having them attempt urban, or in our case, country legends. Another was snipe hunting but I’ll save ...read more
Posted in breast cancer, cancer, insurance, life insurance, prostate cancer | Tagged approval immediately upon successful treatment, breast cancer immediate approval, cancer, cancer life insurance underwriting, cow tipping, huge moves cancer underwriting, insurance, life insurance, one year waiting period changed, prostate cancer, prostate cancer immediate approval, prostate cancer watchful waiting, prostatectomy, radiation treatment, snipe hutning, testicular cancer, thyroid cancer, uterine cancer, watchful waiting standard rates |
By Ed Hinerman on January 30, 2012
I recklessly went out on a limb yesterday spreading a rumor that a major, well know A+ rated life insurance company was jumping on all of the cancer detection and treatment victories of the last several years and have changed their underwriting guidelines and philosophy to bring huge breaks to their clients. I wasn’t reckless ...read more
Posted in breast cancer, cancer, insurance, life insurance, prostate cancer | Tagged approval for watchful waiting, breast cancer, cancer, huge breaks, Immediately after radiation treatment, impaired risk life insurance, impaired risk underwriting, insurance, life insurance, no flat extra charge, prostate cancer, standard rates immediately follow successful treatement, testicular cancer, thyroid cancer, uterine cancer |
By Ed Hinerman on January 29, 2012
I hate jumping into a life insurance topic like this without all the facts but, heck, that’s why they call them rumors. Historically one of the toughest parts of underwriting has been, especially for cancer, the insistence of a one year waiting period post treatment, or the period where the company applies a flat extra ...read more
Posted in breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer | Tagged 100% 5 and 10 year survival rate, approval for prostate cancer watchful waiting, approved a few weeks post treatment, breast cancer, cancer, flat extra premium, insurance life insurance, low stage and grade, major A+ rated life insurance company, melanoma, mortality information, no flat extrra, no logic to waiting, over 50 life insurance, prostate cancer, waiting period post treatment, watchful waiting |
