by Ed Hinerman | Nov 26, 2013 | insurance, life insurance, life insurance approval, smoking
Back in the day there was a company that underwrote life insurance for “social smokers”, which by their definition was anyone who smoked maybe two or three cigarettes a day. That was US Financial, the author and creator of the clinical underwriting idea....
by Ed Hinerman | Oct 2, 2013 | insurance, life insurance, life insurance approval, life insurance underwriting, mortality, mortality risk
It wasn’t that long ago that underwriting life insurance consisted of setting the application, exam and medical records next to a big underwriting guide (just my picture), matching up all of the maladies with a long ago predetermined mortality assumption and...
by Ed Hinerman | Oct 30, 2012 | breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life
There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an eye opener right now. I’ve tried to note each change or...
by Ed Hinerman | Jun 18, 2012 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
Some years ago I had a client who really hit on a hot button for professionals like her as a physician and others who wore hats from CEO’s to attorneys, dentists and even psychiatrists. In the original case it had to do with a physician who had taken an anti...
by Ed Hinerman | Oct 1, 2011 | blood pressure, bypass surgery, cancer, insurance, life insurance
Allow me one more time to bemoan the good old days when US Financial Life Insurance was still roaming the earth. They doled out good news in life insurance underwriting in their short life span than any other company around. It was called clinical underwriting. Just...
by Ed Hinerman | Jun 28, 2011 | Anxiety, Depression, insurance, life insurance
As any physician, attorney, dentist or CEO will confess, the journey from student to professional is not one for the faint of heart. For many it can be the most stressful part of their life as physicians reach residency and attorneys study for and take bar exams. Much...
by Ed Hinerman | May 11, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
When you consider the opposite of stable is unstable it makes it easier to understand why life insurance underwriting uses stability as a benchmark for approval and rates for all mood disorder underwriting. Whether it is depression, anxiety or bipolar disorder life...
by Ed Hinerman | Mar 19, 2010 | heart attack, insurance, life insurance
Long gone are the days of US Financial Life Insurance and their clinical underwriting that gave so many clients competitive rates, rates they really deserved, within 6 months of an angioplasty or bypass surgery. While those are tough shoes to fill, other companies...
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