by Ed Hinerman | Sep 3, 2013 | A1c, diabetes, insurance, insurance quotes, life insurance, life insurance approval
One of my pet peeves with life insurance companies is that some are too slow and some are way too fast at issuing life insurance policies once approved. And why would I be whining about companies that move that paperwork right out the door? If the policy is approved...
by Ed Hinerman | Aug 22, 2013 | A1c, approval, compliance, diabetes, insurance, life insurance, Type 1 diabetes
I love it when companies finally make forward progress in life insurance underwriting of well controlled health issues. What I can’t work with is when they get weak kneed a year later and throw all the engines in reverse. We’ve been through that kind of...
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 | Dec 13, 2011 | A1c, budget, diabetes, insurance, life insurance
I got an email from some clients a few days ago. In spite of their best efforts their small business had fallen off so badly a few years ago that the husband made the decision to let the life insurance they had in force lapse. I’ve been staying in touch waiting...
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 | Feb 22, 2011 | diabetes, insurance, life insurance, senior life insurance
I was playing with my granddaughter over the weekend. There’s probably nothing she likes better than being chased and I forget how clumsy I can be. Anyway, I tripped a bruised a rib and as we all know there isn’t anything you can do about that except try...
by Ed Hinerman | Dec 21, 2010 | cancer, life insurance, smoking
I was reading an article on MSN Health yesterday about how to talk to your doctor. It struck me that the same things would hold true for how to talk to a life insurance (or health insurance) agent. It also reminded me of previous posts where I’ve talked about...
by Ed Hinerman | Oct 28, 2010 | diabetes, insurance, life insurance
I’ve had health change surprises come out of nowhere before. I can still remember 30 years ago seeing the doctor for some innocuous thing and he did a blood workup. The result was a diagnosis of Raynauds disease. I was in my late 20’s and felt pretty good....
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 | Sep 16, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
One of the often asked questions on diabetes forums and blogs is if a person with type one diabetes can get life insurance at all, and if so can it be done at reasonable rates. I recently posted a checklist of criteria that underwriters want to see in order to approve...
by Ed Hinerman | Sep 10, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
Proof that underwriting guidelines are 1. Not etched in stone like the 10 commandments and 2. Aren’t consistent from company to company, is shown in how type 1 diabetes is underwritten, particularly adult onset type 1. Type 1 diabetes has long been the unloved...
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 | Jul 9, 2010 | insurance, life insurance, pilot, private pilots, Prudential
Pru rolled out a 16 page release on their new and improved underwriting guidelines in a number of areas. This comes on the heels of a much ballyhooed rate decrease that didn’t do squat for anyone under 50. Nevertheless there may be some morsels in here that will...
by Ed Hinerman | Jun 22, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I was recently asked to work on a case where the client was feeling like the kiss of decline was the best she would ever hear! Her only problem was that she had been a type 1 diabetic since age 9. I shared with you not too long ago how we had found that spot where...
by Ed Hinerman | May 13, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
In a post not too long ago I talked about a case that I had shopped. My email to the various underwriters noted “39 year old male, 5’10, 148, non smoker. Diagnosed type 1 diabetes 2005. Compliant on testing, followup, and treatment. A1c has always been...
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